What term describes state laws that restrict an injured party's right to sue another driver under tort law until a specified threshold of damages is surpassed?

The term that describes state laws restricting an injured party's right to sue another driver under tort law until a specified threshold of damages is surpassed is compulsory no-fault. This system is designed to streamline the claims process by ensuring that individuals receive compensation for their injuries without needing to establish fault on the part of the other driver, up to a certain limit.

In a compulsory no-fault system, injured parties are required to seek compensation from their own insurance companies for medical expenses and other losses, rather than pursuing legal action against the other party involved in the accident. This threshold typically includes criteria such as medical expenses or loss of income, and only when these exceed the set amount can an injured party pursue a tort claim for additional damages. The purpose of this law is to reduce the number of litigation cases and alleviate the burden on the court system while providing quicker access to compensation for victims.

While tort reform refers generally to changes aiming to reduce litigation or the amount of damages awarded, and no-fault insurance provides coverage regardless of fault without tying it specifically to a damage threshold, compulsory no-fault specifically encompasses this idea of a threshold that must be met before a lawsuit can be initiated. Comparative negligence, on the other hand, deals with how damages are apport