When someone is involved in an accident in a no-fault state, the initial claim is generally taken care of by filing a claim with their own insurer. However, when someone is a passenger, the issue of filing a claim can become complicated. Whether the driver of the vehicle the passenger was in is at fault or if fault can be established against the other driver, the passenger may file a third-party claim against the driver. Some factors that will help define the final settlement amount include the type of coverage the at-fault driver carries. Some of these include: PIP coverage - PIP coverage, also known as Personal Injury Protection, is a type of insurance coverage available in certain states that helps cover the medical expenses and other costs associated with injuries resulting from car accidents. This type of coverage is usually required for all drivers, and it helps ensure that those injured in an auto accident can receive the initial medical care they need without having to pay out-of-pocket expenses. PIP coverage can also provide compensation for lost wages and other costs related to the accident. Bodily injury liability - Bodily Injury Liability (BIL) is a type of insurance that pays for medical bills, lost wages, and other expenses resulting from an accident caused by another driver. If the other driver is found to be at fault for the accident, their BIL coverage will cover the costs of any bodily injury that a passenger may have suffered. This includes medical bills and lost wages and may include pain and suffering. Uninsured/underinsured motorist coverage - If someone is injured in a car accident caused by an uninsured driver, they may still be able to recover some compensation through their insurance policy. Uninsured/underinsured motorist coverage is designed to protect victims in the event of an accident with an uninsured or underinsured driver. This type of coverage provides compensation for medical bills, lost wages, and other related costs resulting from the accident.