You can sue in a no-fault state, but the rules governing lawsuits are strict. “No-fault” applies to state laws that provide first-party (PIP) coverage while also restricting the right to sue. This topic is a good reason you might want to get a free consultation with a personal injury attorney before making any decisions. In those strict no-fault states, motorists can sue for severe injuries and for pain and suffering only if the case meets certain threshold conditions. Thresholds may vary by state and may be expressed in verbal terms (such as death, disfigurement) or as a monetary threshold (dollar amounts of medical bills). Choice no-fault states (Kentucky, New Jersey, Pennsylvania) give motorists the option to reject the threshold requirements and file suit. Car insurance laws are enacted state by state and, for the most part, determine how claims are processed and to what extent they can be litigated. Minor accidents probably fall short of the criteria necessary for a lawsuit in a no-fault state. But if you’re unsure of whether a more serious accident you’re involved in meets the threshold conditions, it’s a good idea to get a free consultation with an experienced attorney.