Even if you did not have a qualifying "serious injury" in an MVA, you are still entitled to so-called "no-fault benefits", which are sometimes referred to as "first party benefits." These include:
- payment of your reasonable and necessary medical expense for doctors, hospitals and other health care providers
- payment of a portion of your lost wages
- certain other incidental expenses
What you are precluded from doing if you do not have a "serious injury" is making a claim against the negligent driver for monetary compensation for your pain and suffering.