Final answer:
The student is asking about 'no-fault insurance' programs, which covers drivers' own protection without the need to assign fault in the event of an accident.
Step-by-step explanation:
The student is inquiring about specific insurance programs adopted by some states where the traditional notion of assigning liability to a particular driver for causing an accident is not in place. These programs are commonly known as no-fault insurance. In no-fault insurance systems, drivers are required to carry insurance to cover their own protection and their passengers, and they can only sue in severe cases.
No-fault insurance aims to streamline the process of payments for injuries and damages without having to determine fault, thereby reducing the burden on the court system and ensuring timely payment for damages. Similar to social insurance programs where individuals make regular payments to receive future benefits, no-fault insurance falls under a government intervention paradigm meant to safeguard all participants in the system.