What's really neat with not fault is that my insurance pays for my damages even if I'm not at fault (they still determine who is at fault to decide if they increase your premiums). Not your fault? You don't pay a dime and have no increase.
I don't have to find out the other bozo doesn't have insurance and having to bring him to court (I hear that it's common in the USA).
If it's really a fucked up accident costing my insurance a ton, they can sue the other guy's insurance company, but I don't have to know anything about that and I don't care.
And it's still quite cheap, I pay only 800$ a year to insure both my brand new SUV and my almost brand new motorcycle... and I have full coverage (comprehensive coverage I think it's called in the US) with a 250$ deductible per incident only if I'm at fault.