posted by Deborah on Jun 23
A. You didn’t say where you were from or where the accident happened. But if you are a New York driver, your no-fault insurance should cover your medical bills and lost wages. Similarly, if you are from New Jersey, you are covered by PIP (Personal Injury Protection). In Connecticut, you could recover from your own insurance company under the Uninsured-Underinsured provision of your liability policy.
Whether you can recover for the pain and suffering caused by the accident varies state to state. In New York, in order to recover for pain and suffering, you must meet a “threshold,” which is an indication of the severity of the injuries and how disrutptive they were to your life. Similarly, New Jersey looks at the injuries and the resulting consequences, but recovery also depends upon the type of insurance policy you purchased. In Connecticut, as long as you were less than 50% liable for causing the accident, you could recover for pain and suffering, although any award would be reduced by the amount of your negligence.
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