Which listed item qualifies as a serious injury under no-fault exception?

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Multiple Choice

Which listed item qualifies as a serious injury under no-fault exception?

Explanation:
The no-fault exception hinges on whether an injury qualifies as “serious,” meaning a substantial or permanent impairment of use of a body part or function (or similar harm such as a permanent loss of use, lawfully allowing a tort claim for damages). A disability implies a substantial or permanent impairment of use, which meets that threshold. The other options describe injuries that are too minor or routine to be considered serious—such as a temporary headache, a minor bruise, or a routine checkup. So the disability option best fits the serious-injury standard.

The no-fault exception hinges on whether an injury qualifies as “serious,” meaning a substantial or permanent impairment of use of a body part or function (or similar harm such as a permanent loss of use, lawfully allowing a tort claim for damages). A disability implies a substantial or permanent impairment of use, which meets that threshold. The other options describe injuries that are too minor or routine to be considered serious—such as a temporary headache, a minor bruise, or a routine checkup. So the disability option best fits the serious-injury standard.

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