QuotesChimp? can take years to receive benefits. When an in?jured person seeks damages under the fault system, he or she must often go through years of waiting to receive damages due to the time-consuming exercise of bringing a lawsuit and waiting for a court date (assuming a quick settlement can't be reached with the insurance company of the person at fault). Un?fortunately, bill collectors, like the tides, wait for no man. Thus, many have been financially ruined while waiting to collect their money.