According to the article, The term “tort law alternative” usually refers to what is known as “no-fault recovery” (Izzi, 2018).  No-fault auto insurance is the most common form of tort law alternative. In a no-fault insurance arrangement, the injured party is actually limited in their ability to file a lawsuit against the party that caused the accident. The victim will not be allowed to seek compensation in court, except in very serious cases (Izzi, 2018). In this scenario, the insurance company of both members will compensate for whatever losses occurred during the accident. If the individual is found guilty in the accident, their insurance premiums will be elevated by their insurance company.