The policyholder
Relatives of the policy holder
Any passengers who are involved in a car accident and they don't have their own PIP coverage
Authorized drivers of your insured car
Family members of the policyholder in case they get injured while in another person's car.
The policyholder and family members in case they are involved in an accident as pedestrians.
Choosing The Best Insurance Company
All insurance companies operate under different policies, and some companies that you work with may make their decisions on a case-by-case basis. However, any fast or hard rule on what may happen to your insurance premiums after making a PIP claim can most likely fail you. The best decision you can make today is to talk to your current insurance agent and inquire on how they can handle a case if you file for a PIP claim. Your current insurance agent will most likely give you a detailed and honest explanation and help you to make an informed decision.