Before Mr. and Mrs. Ferreira can sue the drunk driver that rear-ended them, which law requires them to submit their claims to their own insurer first?

No-fault insurance laws are designed to streamline the process of obtaining compensation for injuries resulting from vehicle accidents, regardless of who is at fault. Under these laws, individuals involved in an accident must first turn to their own insurance company to seek coverage for medical expenses and other damages. This mechanism helps reduce the need for litigation over claims, as it allows for quicker resolution and compensation for injured parties.

In the case of Mr. and Mrs. Ferreira, because they were rear-ended by a drunk driver, the no-fault insurance law requires them to submit their claims to their own insurer before pursuing a lawsuit against the other driver. This approach also encourages drivers to carry sufficient insurance to cover their own medical bills and damages, irrespective of the fault in the accident.

The other laws mentioned, such as personal injury protection, while relevant, are often components of no-fault insurance systems and may not explicitly require the initial submission of claims to one's own insurer. Compulsory insurance laws mandate that drivers maintain a minimum level of insurance coverage, and financial responsibility laws are focused on ensuring that drivers can pay for damages they cause, but they do not prescribe the claims submission process mandated by no-fault systems.