(1) Personal injury protection.
(2) Choice no-fault state. Policyholder can choose a policy based on the no-fault system or traditional tort liability.
(3) Verbal threshold for the Basic Liability Policy, the Special Policy and the Standard Policy where the policyholder chooses no-fault. The Basic and Special Policies contain lower amounts of coverage.
(4) The District of Columbia is neither a true no-fault nor add-on state. Drivers are offered the option of no-fault or fault-based coverage, but in the event of a crash a driver who originally chose no-fault benefits has 60 days to decide whether to receive those benefits or file a claim against the other party.
Source: Excerpted from No Fault Benefits and Thresholds-Auto Reparations, property of American Property Casualty Insurers Association.