No-Fault Insurance Needs to Cover Cannabis Patients Too!

CANNABIS CULTURE – No-fault insurance is a term you may not be familiar with if you don’t live in a no-fault state. To be clear, no-fault insurance covers you if you have been in an accident regardless of whether or not the accident was your fault. When accidents result in injuries, no-fault provides unlimited medical coverage for all “reasonably necessary” accident-related medical expenses. Thirteen states (including Puerto Rico) currently have no-fault insurance laws in the United States.

Depending on the state that you are in, certain alternative medications to opioids may not be covered under that state’s no-fault insurance laws. Medical cannabis is one such alternative medication that is not covered despite being able to treat inflammatory and neuropathic injuries. Even states like Michigan, which has legalized the medical use of marijuana, still do not cover the use of the drug after an accident.

If no-fault states (Florida, New Jersey, New York, Michigan, Pennsylvania, and 8 others) are serious about treating those who suffer from chronic pain, reforming no-fault insurance laws to cover alternative medications is crucial. In the midst of a national opioid crisis, continuing to prescribe opioids without giving alternatives a fighting chance does not make sense.

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