How can my auto insurance company be responsible if I am not at fault?
Your state may have no-fault automobile insurance, which sometimes is called personal injury protection (PIP). Also it’s a good idea to carry uninsured/underinsured motorists coverage under your own auto insurance policy. That coverage pays if the party at fault carries a level of insurance which is insufficient to cover the damages that he or she caused you. Under the “When others are responsible for injuries” provision of the Plan brochure, the Plan’s reimbursement right applies to these types of coverage.