Q. Can I still make an accident claim if I don't have insurance?
A. Yes you can still make a claim. If you are uninsured, you do not qualify for personal injury protection (no-fault benefits). Because you don't have PIP, the other driver's insurance company will get a $10,000 credit or set-off for the PIP insurance that you should have had, so you are starting the case at -$10,000.
If you have minimal injuries, you probably will not recoup enough money to pay your medical expenses. If you have moderate or severe injuries, you should be able to make a claim. Your lack of insurance will not stop you from making a claim, but you have to understand the risks associated with being uninsured.