Car Accident Lawsuit: When You Can Sue and What It Costs
Where a car accident lawsuit goesAs of October 20, 2026
- Insurance claimReport the crash and claim against the at-fault driver's insurer.
- Demand and offerSend your bills and records, then negotiate the offer.
- File the lawsuitIf talks fail, file a complaint before your state's deadline.
- Settle or go to trialBoth sides exchange evidence. Few cases reach a verdict.
You can sue the driver who caused your crash, as long as you file before your state's deadline, usually two or three years. In a no-fault state, your injury must also pass the state's threshold. Most suits settle: only about one in 71 federal car accident cases is decided at trial.
Can you sue after a car accident?
Yes. You can sue the driver who caused the crash for medical bills, lost pay, vehicle damage and pain and suffering. In the no-fault states below, you can sue for pain and suffering only if your injury passes the state's threshold.
In a no-fault state, your own personal injury protection (PIP) pays your medical bills first, and in many states part of your lost pay, no matter who caused the crash. The table shows each state's threshold for suing. Florida, for example, allows pain-and-suffering damages only for a significant and permanent loss of an important bodily function, a permanent injury, significant and permanent scarring or disfigurement, or death (Fla. Stat. § 627.737(2)).
In all other states, you can claim against the at-fault driver from the start. Whether you need a lawsuit depends on the insurer's offer, the evidence on fault and how close your deadline is.
No-fault states: when you can sue for pain and suffering
| State | Lawsuit threshold |
|---|---|
| Florida | Verbal threshold for pain-and-suffering damages: (a) significant and permanent loss of an important bodily function; (b) permanent injury within a reasonable degree of medical probability, other than scarring or disfigurement; (c) significant and permanent scarring or disfigurement; (d) death. No dollar threshold |
| Hawaii | Tort liability is abolished except for: death; significant permanent loss of use of a part or function of the body; permanent and serious disfigurement causing mental or emotional suffering; or PIP benefits incurred equal to or exceeding $5,000 |
| Kansas | Pain-and-suffering damages only if medical treatment has a reasonable value of $2,000 or more, or the injury is permanent disfigurement, a fracture to a weight-bearing bone, a compound, comminuted, displaced or compressed fracture, loss of a body member, permanent injury within reasonable medical probability, permanent loss of a bodily function, or death |
| Kentucky | Pain-and-suffering damages only if medical expense benefits exceed $1,000, or the injury involves permanent disfigurement, a bone fracture, a compound/comminuted/displaced/compressed fracture, loss of a body member, permanent injury within reasonable medical probability, permanent loss of bodily function, or death (KRS 304.39-060(2)(b)). This is a choice no-fault state: any person may reject the tort limitation in writing on a Department of Insurance form filed before the accident (KRS 304.39-060(4)). Whoever rejects keeps full tort rights and liability but cannot collect BRB (KRS 304.39-060(7)-(8)). |
| Massachusetts | Pain-and-suffering damages only if reasonable and necessary medical expenses exceed $2,000, or the injury causes death, loss of a body member, permanent and serious disfigurement, loss of sight or hearing (as in c. 152 § 36), or consists of a fracture (M.G.L. c. 231, § 6D) |
| Michigan | Noneconomic loss only for death, serious impairment of body function, or permanent serious disfigurement (MCL 500.3135(1)); suits also allowed for allowable expenses, work loss and survivor's loss beyond PIP limits (3135(3)(c)), and up to $3,000 vehicle damage ('mini-tort', 3135(3)(e)) |
| Minnesota | Noneconomic damages only if medical expenses exceed $4,000 (excluding diagnostic X-rays and rehabilitation), or the injury results in permanent disfigurement, permanent injury, death, or disability for 60 days or more (Minn. Stat. § 65B.51, subd. 3) |
| New Jersey | Limitation-on-lawsuit ('verbal threshold') option, which applies by default if no election is made: noneconomic damages only for death; dismemberment; significant disfigurement or significant scarring; displaced fractures; loss of a fetus; or a permanent injury within a reasonable degree of medical probability, supported by a physician certification (N.J.S.A. 39:6A-8(a)). The no-limitation option is available for a higher premium (39:6A-8(b)). |
| New York | Noneconomic loss only for 'serious injury' (Ins. Law § 5104(a)). Under § 5102(d), as amended by L.2026, ch. 58, Part EE, § 1: death; dismemberment; significant disfigurement; a fracture; loss of a fetus; permanent loss of use of a body organ, member, function or system; permanent consequential limitation of use of a body organ or member; or significant limitation of use of a body function or system. The former '90/180-day' category was DELETED in 2026. Economic loss above basic economic loss is also recoverable. New § 5104(d) caps noneconomic loss at $100,000 for at-fault plaintiffs (not barred by CPLR 1411) who were driving uninsured (lapse of 30+ days), were convicted of impaired driving, or were committing a felony. |
| North Dakota | Noneconomic damages only for a 'serious injury': death, dismemberment, serious and permanent disfigurement or disability beyond sixty days, or medical expenses in excess of $2,500 (N.D.C.C. § 26.1-41-01(21); exemption in § 26.1-41-08(1)(a)) |
| Pennsylvania | Choice no-fault: only insureds who elect 'limited tort' are barred from noneconomic damages unless the injury is a 'serious injury' = death, serious impairment of body function or permanent serious disfigurement (75 Pa.C.S. §§ 1702, 1705(d)); no dollar threshold. Full-tort electors keep all rights; failure to elect on renewal notices presumes full tort (§ 1705(a)). Exceptions incl. at-fault driver DUI, out-of-state vehicle, uninsured (§ 1705(d)(1)). |
| Utah | General damages only if: death; dismemberment; permanent disability or permanent impairment based upon objective findings; permanent disfigurement; a bone fracture; or medical expenses in excess of $3,000 (Utah Code § 31A-22-309(1)(a), current version eff. May 6, 2026) |
From the state statutes, checked October 2026. PIP amounts and sources for each state
When should you sue instead of settling with insurance?
Consider suing when the insurer denies its driver was at fault, offers less than your documented losses, or stops responding, and before your deadline runs out. Filing does not end negotiations; most lawsuits still settle.
Signs that a lawsuit may be the next step:
- The insurer disputes fault or denies the claim.
- The offer does not cover your medical bills and lost pay.
- Your deadline to sue is only months away.
Suing has a price. It takes longer, and the lawyer's share can rise once the case is in court. In Florida, the presumed maximum contingency fee is 33 1/3% of a recovery up to $1 million before the defendant answers, and 40% after (Rule 4-1.5(f)(4)(B)).
Federal car accident claims paid more after a lawsuit was filed (see how much lawsuits pay). Part of that gap is selection: cases with serious injuries and disputed fault are the ones that end up in court.
How long do you have to file a car accident lawsuit?
Usually two or three years from the crash, depending on your state. Tennessee allows one year and Maine six. Claims against a government agency often have an earlier claim deadline, such as 90 days for a New York city or county.
Examples from the statutes:
- California: 2 years for an injury (Code of Civil Procedure § 335.1) and 3 years for property damage.
- New York: three years for a personal injury (CPLR 214(5)).
- Tennessee: one year (Tenn. Code § 28-3-104(a)(1)), or two years if the at-fault driver is criminally charged and prosecuted.
- Maine: 6 years (14 M.R.S. § 752).
Government vehicles add steps. Against the federal government, you must file a written claim with the agency within two years (28 U.S.C. § 2401(b)). You can sue only after a written denial or six months without a final decision, and within six months of a denial. In California, a claim against a public agency is due within 6 months of the injury. In New York, a notice of claim against a city or county is due within 90 days (General Municipal Law § 50-e).
The deadline is for filing the lawsuit, and you will generally lose a case filed too late. Some rules pause it, for example while the injured person is a minor.
Deadline to file a car accident lawsuit, by state
| State | Deadline | Law |
|---|---|---|
| Alabama | 2 years | Ala. Code § 6-2-38 |
| Alaska | 2 years | AS § 09.10.070 |
| Arizona | 2 years | A.R.S. § 12-542 |
| Arkansas | 3 years | Ark. Code § 16-56-105 |
| California | 2 years | CCP § 335.1 |
| Colorado | 3 years | C.R.S. § 13-80-101(1)(n) |
| Connecticut | 2 years | Conn. Gen. Stat. § 52-584 |
| District of Columbia | 3 years | D.C. Code § 12-301(8) |
| Delaware | 2 years | 10 Del. C. § 8119 |
| Florida | 2 years | Fla. Stat. § 95.11(5)(a) |
| Georgia | 2 years | O.C.G.A. § 9-3-33 |
| Hawaii | 2 years | HRS § 657-7 |
| Idaho | 2 years | Idaho Code § 5-219 |
| Illinois | 2 years | 735 ILCS 5/13-202 |
| Indiana | 2 years | Ind. Code § 34-11-2-4 |
| Iowa | 2 years | Iowa Code § 614.1(2) |
| Kansas | 2 years | K.S.A. § 60-513 |
| Kentucky | 2 years | KRS § 304.39-230(6) |
| Louisiana | 2 years | La. Civ. Code art. 3493.1 |
| Maine | 6 years | 14 M.R.S. § 752 |
| Maryland | 3 years | Md. Cts. & Jud. Proc. § 5-101 |
| Massachusetts | 3 years | M.G.L. ch. 260, § 2A |
| Michigan | 3 years | MCL § 600.5805 |
| Minnesota | 6 years | Minn. Stat. § 541.05 |
| Mississippi | 3 years | Miss. Code § 15-1-49 |
| Missouri | 5 years | Mo. Rev. Stat. § 516.120 |
| Montana | 3 years | Mont. Code § 27-2-204 |
| Nebraska | 4 years | Neb. Rev. Stat. § 25-207 |
| Nevada | 2 years | NRS § 11.190 |
| New Hampshire | 3 years | RSA § 508:4 |
| New Jersey | 2 years | N.J.S.A. § 2A:14-2 |
| New Mexico | 3 years | N.M. Stat. § 37-1-8 |
| New York | 3 years | CPLR § 214(5) |
| North Carolina | 3 years | N.C. Gen. Stat. § 1-52 |
| North Dakota | 6 years | N.D.C.C. § 28-01-16 |
| Ohio | 2 years | R.C. § 2305.10 |
| Oklahoma | 2 years | 12 Okla. Stat. § 95 |
| Oregon | 2 years | ORS § 12.110 |
| Pennsylvania | 2 years | 42 Pa.C.S. § 5524 |
| Rhode Island | 3 years | R.I.G.L. § 9-1-14 |
| South Carolina | 3 years | S.C. Code § 15-3-530 |
| South Dakota | 3 years | SDCL § 15-2-14 |
| Tennessee | 1 year | Tenn. Code § 28-3-104 |
| Texas | 2 years | Tex. Civ. Prac. & Rem. Code § 16.003 |
| Utah | 4 years | Utah Code § 78B-2-307 |
| Vermont | 3 years | 12 V.S.A. § 512 |
| Virginia | 2 years | Va. Code § 8.01-243 |
| Washington | 3 years | RCW § 4.16.080 |
| West Virginia | 2 years | W.Va. Code § 55-2-12 |
| Wisconsin | 3 years | Wis. Stat. § 893.54 |
| Wyoming | 4 years | Wyo. Stat. § 1-3-105 |
Deadlines generally run from the date of the crash; claims against a government agency can have much shorter notice deadlines.
How do car accident lawsuits end?
Mostly in a settlement. Of 58,380 federal car accident injury cases in our data, 53.6% were dismissed as settled, and only about one in 71 was decided at trial.
The real settlement share is likely higher. Many voluntary dismissals follow a private settlement; counted together, up to 69.5% of cases may have settled. Others were dismissed for other reasons, sent back to state court, or decided on a motion before trial.
These are federal cases only. A federal court hears a car accident suit mainly when the two sides are from different states and more than $75,000 is at stake (28 U.S.C. § 1332(a)), or when the United States is the defendant (28 U.S.C. § 1346(b)). Suits in state courts are not in this data.
How 58,380 federal car accident lawsuits ended
| Outcome | Share |
|---|---|
| Settled | 53.6% |
| Dropped by the plaintiff (often after a private settlement) | 15.9% |
| Dismissed for other reasons | 11.9% |
| Sent back to state court | 7.1% |
| Moved to another federal court | 2.9% |
| Decided on a motion before trial | 1.9% |
| Trial verdict (jury or judge) | 1.4% (1 in 71) |
Federal Judicial Center Integrated Database, cases closed 2015 to mid-2026.
How long does a car accident lawsuit take?
Federal car accident cases ended after a median of 10.1 months. Cases that went to trial took a median of 24.0 months to get there. Settled injury claims against New York City took a median of 30 months from filing.
The main stages:
- Complaint and answer: you file, the driver is served and responds. In federal court, the answer is due within 21 days after service (Federal Rule of Civil Procedure 12(a)).
- Discovery: both sides exchange records, medical files and sworn testimony.
- Settlement talks: most cases end here.
- Trial: only a small share gets this far.
A case can settle at any stage, even on the eve of trial.
How much do car accident lawsuits pay?
In paid federal car accident claims, the median was $5,608 without a lawsuit, $37,000 when settled after a suit was filed and $55,000 after a court judgment. Serious cases get sued more often, so suing explains only part of the gap.
These are claims paid by the federal government for crashes caused by federal employees, such as drivers of government vehicles. They are public payments, not insurance company payouts, and they include property damage. Lawsuits against the United States are decided by a judge, not a jury (28 U.S.C. § 2402).
Settled injury claims against New York City had a median of $27,500. Across all 60,783 paid car accident claims against the federal government (U.S. Judgment Fund), New York City and Chicago, the median was $5,000.
Large verdicts make headlines, but they are rare. What you keep also depends on the lawyer's fee and case costs.
What claims paid, by how they ended
- Paid without a lawsuitmedian $5,608Claims against the federal government for crashes with federal vehicles, settled by the agency, 2009–202533,508 payments · 1 in 10 above $20,000
- Settled after a lawsuit was filedmedian $37,000Federal vehicle cases settled in court and paid from the Judgment Fund, 2016–20252,424 payments · 1 in 10 above $350,000
- Decided by a court judgmentmedian $55,000Federal vehicle cases that ended in a judgment, 2016–202562 payments
- New York City injury claimsmedian $27,500Car accident injury claims settled by the city, fiscal years 2016–20191,820 payments · 1 in 10 above $300,000
Lawsuit amounts are higher partly because the most serious injuries are the ones most likely to end up in court — the lawsuit is not the only reason for the larger number.
Can you sue if you were partly at fault?
In most states, yes, but your award shrinks by your share of the fault. Some states bar you at 50% or more, others only above 50%. Five jurisdictions bar recovery for any fault at all.
- Pure comparative fault: you recover your damages minus your share of fault, even if you were mostly to blame, as in California.
- Barred at 50%: no recovery if you are 50% or more at fault, as in Georgia (O.C.G.A. § 51-12-33(g)).
- Barred above 50%: no recovery if you are more than 50% at fault, as in Texas (Civ. Prac. & Rem. Code § 33.001).
- Contributory negligence: any fault can bar recovery in Alabama, Maryland, North Carolina, Virginia and Washington, D.C.
New York changed its rule for car accident injury suits filed since late May 2026. A claimant who is more at fault than the driver being sued now recovers nothing (CPLR 1411(b)). Other injury cases in New York keep the pure rule, where damages are reduced in proportion to your fault (CPLR 1411(a)).
Because fault decides how much you get, it is often the main dispute in a lawsuit.
Fault rule for car accident lawsuits, by state
| State | Rule |
|---|---|
| Alabama | Contributory negligence |
| Alaska | Pure comparative fault |
| Arizona | Pure comparative fault |
| Arkansas | Modified comparative fault (50% bar) |
| California | Pure comparative fault |
| Colorado | Modified comparative fault (50% bar) |
| Connecticut | Modified comparative fault (51% bar) |
| District of Columbia | Contributory negligence |
| Delaware | Modified comparative fault (51% bar) |
| Florida | Modified comparative fault (51% bar) |
| Georgia | Modified comparative fault (50% bar) |
| Hawaii | Modified comparative fault (51% bar) |
| Idaho | Modified comparative fault (50% bar) |
| Illinois | Modified comparative fault (51% bar) |
| Indiana | Modified comparative fault (51% bar) |
| Iowa | Modified comparative fault (51% bar) |
| Kansas | Modified comparative fault (50% bar) |
| Kentucky | Pure comparative fault |
| Louisiana | Modified comparative fault (51% bar) |
| Maine | Modified comparative fault (50% bar) |
| Maryland | Contributory negligence |
| Massachusetts | Modified comparative fault (51% bar) |
| Michigan | Modified comparative fault (51% bar) |
| Minnesota | Modified comparative fault (51% bar) |
| Mississippi | Pure comparative fault |
| Missouri | Pure comparative fault |
| Montana | Modified comparative fault (51% bar) |
| Nebraska | Modified comparative fault (50% bar) |
| Nevada | Modified comparative fault (51% bar) |
| New Hampshire | Modified comparative fault (51% bar) |
| New Jersey | Modified comparative fault (51% bar) |
| New Mexico | Pure comparative fault |
| New York | Modified comparative fault (51% bar) |
| North Carolina | Contributory negligence |
| North Dakota | Modified comparative fault (50% bar) |
| Ohio | Modified comparative fault (51% bar) |
| Oklahoma | Modified comparative fault (51% bar) |
| Oregon | Modified comparative fault (51% bar) |
| Pennsylvania | Modified comparative fault (51% bar) |
| Rhode Island | Pure comparative fault |
| South Carolina | Modified comparative fault (51% bar) |
| South Dakota | Comparative negligence (slight/gross test) |
| Tennessee | Modified comparative fault (50% bar) |
| Texas | Modified comparative fault (51% bar) |
| Utah | Modified comparative fault (50% bar) |
| Vermont | Modified comparative fault (51% bar) |
| Virginia | Contributory negligence |
| Washington | Pure comparative fault |
| West Virginia | Modified comparative fault (51% bar) |
| Wisconsin | Modified comparative fault (51% bar) |
| Wyoming | Modified comparative fault (51% bar) |
Can you sue in a no-fault state?
Yes, once your injury passes the state's threshold. Your own PIP coverage pays your medical bills either way, but below the threshold you cannot sue the other driver for pain and suffering.
Thresholds differ by state:
- Massachusetts: medical expenses over $2,000, or a fracture, loss of a body member, permanent and serious disfigurement, loss of sight or hearing, or death (M.G.L. c. 231, § 6D).
- Minnesota: medical expenses over $4,000, not counting diagnostic x-rays and rehabilitation, or permanent injury or disfigurement, death, or disability for 60 days or more (Minn. Stat. § 65B.51).
- New York: a serious injury (Insurance Law § 5104(a)).
- Michigan: death, serious impairment of body function, or permanent serious disfigurement (MCL 500.3135(1)).
In New York and Michigan, for example, you can still sue for economic losses above your no-fault benefits. Michigan also limits suits over vehicle damage to $3,000 not covered by insurance (MCL 500.3135(3)(e)).
Some states, such as Kentucky and Pennsylvania, let drivers choose. In Pennsylvania, the threshold applies only to drivers who picked limited tort. In Kentucky, you can reject the no-fault limits in writing before a crash.
Can you sue if the other driver has no insurance or not enough?
Yes, you can sue the driver personally, but a judgment is worth only what you can collect. Your own uninsured and underinsured motorist (UM/UIM) coverage is often the more reliable source, and many states require it or include it unless you reject it.
Winning does not mean getting paid. California's courts tell small claims winners: "The court doesn't collect the money for you."
A UM/UIM claim is a claim against your own insurer, with its own rules. In California, if you and your insurer disagree about whether you are owed UM damages or how much, arbitration decides (Insurance Code § 11580.2(f)). Within two years of the accident, you must sue the uninsured driver, reach an agreement with your insurer, or formally start arbitration (§ 11580.2(i)(1)).
If the at-fault driver's limits are too low, underinsured motorist coverage can pay part of the rest. How it counts what the other insurer already paid depends on your state and your policy.
How much does it cost to sue after a car accident?
Court filing fees run a few hundred dollars: $435 for a California civil case over $35,000 and $405 in federal court. A contingency-fee lawyer is paid a share of what you recover, and some states cap that share.
- Florida: without court approval, a fee above 33 1/3% of a recovery up to $1 million before the defendant answers, or above 40% after, is presumed excessive (Rule 4-1.5(f)(4)(B)). You can cancel the contract within 3 business days of signing.
- Michigan: the maximum fee in injury cases is one-third of the amount recovered (MCR 8.121(B)).
Under ABA Model Rule 1.5(c), a contingency agreement must be in writing and signed by you. It must say whether expenses come off before or after the fee is calculated, and which expenses you owe even if you lose. Ask which case costs, such as records, expert reports and depositions, you will pay.
If you can't afford court fees, you can ask the court for a fee waiver. Losing can also cost money: California's courts warn that in some situations you may have to pay the other side's fees and costs.
Can you sue for a car accident without injury?
Yes, for property damage such as repairs or the value of a totaled car. Small claims court is the simpler route: up to $12,500 for individuals in California and up to $10,000 in New York City.
Limits vary. Texas justice courts hear claims up to $20,000 (Gov't Code § 27.031(a)(1)). In California small claims, you can get a lawyer's advice before court but cannot bring one to court, and the filing fee is $30 to $75, depending on the amount.
The deadline for property damage can differ from the injury deadline. California allows 3 years for property damage and 2 years for an injury.
Can you sue your own insurance company?
Yes. If your insurer refuses to pay a covered claim, such as UM/UIM, PIP or collision, you can sue under the policy. Some states also allow a bad-faith claim, sometimes only after written notice to the insurer.
- Florida: you can sue an insurer for not attempting in good faith to settle claims when it could and should have (Fla. Stat. § 624.155). First, the state and the insurer must get 60 days' written notice. If the insurer pays or fixes the problem within 60 days, no suit is allowed.
- Washington: if your claim is unreasonably denied, you can sue, and the court may raise the award to up to three times your actual damages (RCW 48.30.015). You must give the insurer and the insurance commissioner 20 days' written notice.
- California: uninsured motorist disputes go to arbitration (see the uninsured driver answer above).
Check your policy for arbitration terms and deadlines before you file.
Find Out What Your Case Is Actually Worth
The calculator shows typical ranges — your case is specific. Request a free case review from a licensed personal injury attorney in your state. No obligation, and no fee unless you win.
Tell us what happened
Contact details, the accident date and a few yes-or-no questions.
A law firm may call or text you
A firm that handles car accident cases can review your options with you.
You decide
It costs you nothing either way, and you are never obligated to hire anyone.
Independent information service: Settlement Insight is not a law firm. Submitting this form shares your information with our participating legal intake partners, who may contact you about your options.
Sources
- Federal Judicial Center, Integrated Database (civil cases)
- 28 U.S.C. § 2675 (FTCA: claim before suit)
- 28 U.S.C. § 2401 (FTCA deadlines)
- 28 U.S.C. § 2402 (no jury against the U.S.)
- 28 U.S.C. § 1346 (claims against the U.S.)
- 28 U.S.C. § 1332 (diversity jurisdiction)
- 28 U.S.C. § 1914 (federal filing fee)
- U.S. Courts, District Court Miscellaneous Fee Schedule
- Federal Rule of Civil Procedure 12
- ABA Model Rule 1.5 (Fees)
- Rules Regulating The Florida Bar, Chapter 4 (Rule 4-1.5)
- Michigan Court Rules, Chapter 8 (MCR 8.121)
- California Statewide Civil Fee Schedule (2026)
- California Courts: Deadlines to sue
- California Courts: Suing a government agency
- California Courts: Civil cases
- Settlement Insight analysis of 60,783 paid car accident claims (U.S. Treasury Judgment Fund, New York City Comptroller and City of Chicago records), 2009–2026.
About This Information
Editorially Reviewed — Content reviewed for accuracy using published legal research, government data, and verified court records. See our methodology. Reviewed by Leonard Goldberg, Editor · Last updated - $236 billion in real payouts analyzed · See what we found
More Car Accident Guides
Real payout data, deadlines and what to do next.
Car accident guides
- Average Car Accident SettlementWhat 60,783 real claims paid
- How Long a Settlement TakesFrom the crash to the check
- Car Accident ClaimFiling with your insurer or the other driver's
- Car Accident Lawyer FeesWhat the lawyer takes and what you keep
- Rental Car After an AccidentWho pays, and when it stops
- Get a Car Accident ReportPolice reports, BuyCrash and state portals
- Odds of Dying in a Car AccidentLifetime risk from national data
Calculators and next steps
- Car Accident Settlement CalculatorEstimate your claim in three steps
- Pain and SufferingMultiplier and per-diem methods
- Am I Being Lowballed?Check an insurer's first offer
- Negotiate with AdjustersAnswers to common adjuster tactics
- No-Fault StatesWhen you can step outside PIP
- Fault Rules by StateHow your share of fault cuts an award
- Deadlines by StateHow long you have to file
- Uninsured Motorist ClaimWhen the other driver has too little coverage