PIP and MedPay insurance benefits depend on whether or not the state in which the insured person lives is a no-fault or traditional tort liability state.
Most states are tort liability states, and in those, the at-fault driver’s insurer pays the accident victim for property damage and personal injuries. In no-fault states (and three tort liability states), personal injuries are covered by PIP policies.See map below.
PIP policies do not pay for damage to the cars involved or to other property. In nearly all no-fault states, at-fault drivers (or their insurers) are responsible for damage to other cars or property.
They must purchase liability coverage in addition to PIP, and they need to buy collision coverage if they want damage to their own car covered.