Examples of the types of benefits available include coverage of medical and hospital expenses for injuries sustained in the accident, payment of lost wages, and payment, where applicable, of funeral expenses. These types of losses are generally considered to be economic in nature. Basic no-fault plans typically do not pay money for claims such as pain and suffering, loss of consortium, and permanent disability. However, individuals who purchase higher levels of insurance coverage may also be able to purchase additional types of coverage, such as coverage for these noneconomic losses. The total amount of benefits that may be recovered will vary by jurisdiction.
Some states have no-fault systems that contain a cap on damages.
Other systems do not have such a cap in place. Some systems also have a threshold of no-fault benefits that must be met before tort damages may be sought. No-fault plans can be complex and confusing, and it is therefore a good idea to carefully examine the particular requirements and limitations of any plan, and to seek the counsel of an experienced attorney, if necessary, to ensure proper application of the plan benefits.