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No-Fault Thresholds

Thresholds - A form of no-fault insurance that forces a person to exceed a certain dollar amount in injury costs (monetary threshold) or meet specific definitions of injuries (verbal threshold) before they are permitted to seek justice from the courts

Case Examples: Myer and Kemppainen

What Effects Do Thresholds Have on Auto Insurance?

• The higher the threshold, the less likely a victim will be to access the courts or receive compensation
• Under a verbal threshold, victims are only permitted to seek compensation if their injuries meet specified verbal descriptions
• Severe threshold systems require a person to sustain a permanent and serious injury
• Broken bones and serious disfigurement will not pass severe thresholds
  
• No-fault thresholds reduce or eliminate the account-ability of at-fault drivers