If you live in Delaware, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania, Texas, or Utah, you may be eligible to make a personal injury protection (PIP) claim following a car accident. PIP coverage and claims have to do with “no fault” car insurance, which means that your own insurer will pay a portion (or all of) of your medical bills and lost earnings if you get into an accident, regardless of who was at fault.
No fault car insurance is typically enacted by states as a way to streamline accident insurance claims. Every state’s law is different; some limit the amount of compensation that your insurance company is allowed to pay you, and some do not. Once your medical bills exceed your state’s no fault limit, it becomes your responsibility to pay the remaining balance. Understanding how PIP insurance can work for you after an accident can be confusing, and you should contact an attorney to help you navigate the process.