In a no-fault state, you claim first against your own insurer's personal injury protection (PIP), whoever caused the accident, and you can sue the at-fault driver for pain and suffering only if your injury clears a threshold. Some states set the threshold by the type of injury, some by a dollar amount of medical bills, and a few let you choose full tort coverage. Pick a state below for a real answer, cited to the relevant law.
Each state page below shows how much PIP pays and for what, which injuries or dollar amounts let you sue for pain and suffering, and how the rules change what you can collect in total. Three in-depth posts per state explain the benefits, the threshold and the timing rules. Every legal figure is tied to a cited source — see our methodology for how we verify each one.
Every state page provides general guidance only and is not legal advice. Figures are based on cited state statutes or common-law standards, verified per our methodology. Confirm how the law applies to your specific situation with a licensed attorney in your state before acting.