There are two approaches to the collection of the unpaid claims, either filing in the Civil Court System, through the extensive and time consuming litigation process or filing with the American Arbitration Association.

Currently claims that are filed with the American Arbitration Association No Fault Forum are concluded with in three to five months from the date of filing. Comparing that time frame to the twelve to eighteen months that a case currently takes to complete in the civil litigation forum, the answer at this time is obvious.