What is PIP (No Fault) Insurance?

No-fault means you file personal injury claims with your own insurance, even if you’re not at fault. Personal Injury Protection (PIP) is mandatory to cover medical bills and lost wages, regardless of who caused the accident.

Claims example:

  • You’re rear-ended at a stoplight.
  • Even though the other driver is at fault, you file a PIP claim with your own insurance to cover your medical bills and lost wages. 
  • This is subject to your limits and deductibles/coinsurance

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