The Tort System Leads to Lower Insurance Premiums

The Denver Post reports  that a switch from no-fault (and no lawsuit) auto insurance to a traditional at-fault (sue the at-fault driver) system is leading to "double-digit decreases" in insurance premiums. 

As a result of the risk of being sued for bad driving habits, "Colorado drivers are safer and becoming more aware on the road."  This is proof that the tort system works just fine.

The big question I have is why this switch to a tort-based system is referred to in this article as "tort reform."