When you have Personal Injury Protection (PIP) car insurance, it can affect your ability to sue for additional damages.
PIP insurance is mandatory in states that follow a no-fault insurance system. In these states, regardless of who caused the accident, injured parties are generally required to seek compensation from their own PIP insurance coverage first rather than filing a lawsuit against the at-fault driver.
PIP insurance and thresholds
PIP insurance can also impact your ability to sue for additional damages in states with thresholds or limitations on lawsuits. These thresholds vary by state and typically require that the injuries exceed a certain level of severity, such as permanent disability or significant disfigurement before a lawsuit can be filed against the at-fault driver. If your injuries do not meet the threshold, you may be limited to seeking compensation through your PIP insurance policy only.
On a final note
If you have concerns about your ability to sue for additional damages, it is a good idea to consult with a qualified attorney. They can evaluate the specifics of your situation, explain the laws in your state and guide you on the best course of action to maximize your compensation.