In a fault state, an injured person seeking compensation for an accident must prove that another person or entity was at fault. Typically, the victim files a claim against the at-fault party through their insurance company. The insurer reviews the claim, and if they approve the claim, the company pays damages up to the limits of the insurance policy. However, if the victim and the insurance company do not agree on the amount of the damages, the victim can sue the at-fault driver for damages such as medical expenses, lost wages, pain and suffering, and property damage. The injured person can seek compensation whether they were driving, walking, or riding a bicycle when the crash happened.