A:You can make a wage loss claim with the at-fault driver's insurance company. You may be able to receive income loss benefits from your own car policy, which are a form of first party benefits. First party benefits may be recovered under an auto policy on which you are a named insured or under an auto policy covering you as an insured. Additionally, you may be able to recover first party benefits under a policy that insured the motor vehicle you were in at the time of the accident. If you are a pedestrian involved in an auto accident, you may be entitled to first party benefits under the policy of any motor vehicle involved in the accident. If you are the owner of a currently registered motor vehicle who does not have financial responsibility, then you cannot recover first party benefits.