Then the serious-injury threshold. Insurance Law § 5102(d) allows a claim against the at-fault driver for pain and suffering only where the injury falls into one of the statutory categories — among them a fracture, significant disfigurement, a permanent loss of use, a permanent consequential or significant limitation of use of a body organ, member, function or system, or an injury that prevented you from performing substantially all of your usual daily activities for 90 of the first 180 days. Economic loss above the no-fault limit can be claimed without meeting the threshold. Whether an injury qualifies is decided on the medical evidence, which is why consistent treatment and documentation in the first weeks carry so much weight.