Question about car accident insurance in USA [View All]

[canetoad]

I've wondered about this for a long time, so maybe I'll get an answer.

What is the situation in the USA if you are injured in a car accident? Is there a compulsory component of your yearly car registration that covers medical treatment for anyone injured in or by a vehicle or do you have to sue for compensation and/or costs?

There was a thread yesterday about New Zealand's universal accident protection. We have a scheme in Australia that does not go quite as far, but provides medical, rehabilitation and even home modification in the case of disability caused by a car, whether you are a driver, passenger or pedestrian. It is paid on a yearly basis, along with car registration and is compulsory nationwide.

Are such schemes in the USA under Federal control or state by state?

Ok, so it's blown out to about five questions, but I've been meaning to ask this for a long time.