No Fault Insurance
Often when discussing auto accident, we will talk about No Fault Insurance policies. When you purchase an auto liability policy for your vehicle the policy will have Personal Injury Protection benefits, or PIP for short. This is the no-fault part of your policy which provides you certain benefits after the car crash even if the crash was your fault. The idea is to get the bills paid and then to sort out the liability later. Each policy must have PIP benefits by statute. Before this statute was passed the injured parties were getting sued by the medical providers because the liability insurance company would not settle until it got a full release and the injured part didn’t want to settle until they knew the full extent of their damages. As a result there was a long period of time before the insurance money was available to pay medical bills. Now under this no-fault provision the bills are to be paid right away and then the liability policy of the driver at fault would reimburse the PIP company later. You should contact your insurance agent and ask for a PIP form to be sent to you. You fill out the form and return it to the insurance company to start the process.
A person who owns a car must recover PIP benefits from his or her own insurance policy. If the injured person owns no vehicle he may obtain PIP benefits from the insurance of the car he or she was in at the time of the accident.
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