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One Nation, 50 Insurance Systems: Why Crash Victims Face A Legal Lottery

In Miami, Ana walks away from a low-speed sideswipe with bruises and a $12,000 hospital bill. Her Personal Injury Protection (PIP) policy pays only $8,000 and bars her from seeking pain-and-suffering damages. Two thousand miles north in Riverdale, New York, Carlos is injured in an identical collision and—because the state’s “serious injury” threshold is met—receives a comprehensive award that includes emotional harm. The difference is not the st…
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The Bronx Daily | Bronx.com broke the news in on Tuesday, July 8, 2025.
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