Quotes Chimp only protects those "not at fault" When an ac�cident occurs, only the person adjudged not at fault or less at fault (depending on the laws of each state) is able to collect damages for items such as lost wages and pain and suffering from the person who caused the accident. Yet, just because a person may have caused an accident doesn't mean that he or she does not also have significant injuries and expenses arising from it. Under the fault concept, the only benefits that persons at fault can collect will be from their own insurance policies, be it auto, health, or dis�ability insurance. Unfortunately, many have little or no insurance protection and thus end up in severe financial straits.