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      The modern system relies on Ada handicap bathroom signs dedicated carriers to offer protection against specified perils in consideration of a premium. However, the coverage is quite expensive, especially when consumers wait until retirement age to purchase it. Additionally, in regions with high numbers of uninsured motorists, the at fault party often does not have resources to pay their liability, leaving the accident victim with no recourse. Critics also point out that many no-fault auto insurance jurisdictions have among the highest auto insurance premiums in the country,[citation needed] although no-fault systems tend to be more popular in areas with higher automobile accident risk. Several US states have experimented with and repealed their no-fault laws