Quotes Chimp 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.