No-fault insurance is a type of automobile accident insurance that was first proposed in the 1960's. It provides that if a driver, passenger, or pedestrian is injured, an insurance company--usually the driver's company--must pay, no matter who caused the accident. Injured people receive payment for medical costs and loss of income. However, many no-fault plans restrict a victim's right to sue for pain and suffering or other nonfinancial damage. Such restrictions forbid a suit for nonfinancial damage unless the medical expenses exceed a certain amount or the victim was disfigured, disabled, or killed. Many other types of insurance, including fire, health, and life insurance, have always been no-fault.