If you’ve been injured in an accident that wasn’t your fault and you have no insurance there are a couple of options. Accidents are stressful. You may be out work, you may be struggling to pay your bills on top of being in pain from your injuries.
No Fault States
In some states there are no fault insurance laws, which allow claimants to cover medical expenses from their own insurance company regardless of who was at fault for the accident. You can’t sue the other party until you either reach a threshold. Florida, Michigan, New Jersey, New York and Pennsylvania require a verbal threshold (i.e. serious injury – like a fracture in New York). Hawaii, Kansas, Kentucky, Massachusetts, Minnesota, North Dakota and Utah use a monetary threshold (i.e. specific dollar amount minimum – Hawaii is $5,000).