Tort Threshold

In no-fault states, the bar your injuries must clear before you can sue the other driver for pain and suffering. Below it, you stick to your own PIP.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.