No-Fault means that there is no determination of fault in deciding who pays the medical bills. This is beneficial, since there will be no dispute while an injured party needs treatment. If a person does not own an automobile, then if there is auto insurance for a family member in the household, that coverage will apply. Thereafter, the injured party could turn to health insurance. In some states, there are limitations placed upon recovering for non-economic or for pain and suffering.
Some states have thresholds.
Pennsylvania has a optional threshold, where the insured party may save money on his or her premium in exchange for giving up certain rights to sue for non-serious impairments. In Pennsylvania, when a person is involved in a trolley accident, his or her motor vehicle insurance does not come into play at all. A railed trolley is not considered a motor vehicle. As such, a person injured on a trolley must use his or her health insurance to pay for medical bills. As a trolley is not a motor vehicle, there is no restriction on recovering for non-economic damages, such as for pain and suffering.