Nearly every state in the Union requires that motorists carry minimum levels of auto insurance coverage (or the equivalent in financial responsibility waivers) in order to ensure that its drivers can cover the cost of damages to people or property in the event of an automobile accident so this varies from state to state.
An American tort law action, which claims damages from any person who, through negligence or direct act or omission, caused the death of certain relatives (e.g. spouse, children or parent). These actions are commenced under special "wrongful death" statutes because under the common law, there is no right of action for survivors for their own loss as a result of someone's death.
Injuries that result in one or more of the following conditions: Requires hospitalization for more than 48 hours, commencing within seven days from the date the injury was received, Results in a fracture of any bone (except simple fractures of fingers, toes, or nose), Involves lacerations that cause severe hemorrhages, nerve, muscle, or tendon damage. Involves injury to any internal organ, or Involves second or third degree burns, or any burns affecting more than five percent of the body surface.