If an accident takes place in a no-fault state, one step to take in most cases would be to file a claim with your own personal injury protection (PIP) insurance carrier. A PIP policy would cover compensation for medical bills and other types of economic losses sustained because of injuries in an accident. In a no-fault state, it doesn’t matter who was at fault for an accident—insurers will pay compensation in many cases. However, if your injuries are more serious to the point where PIP insurance alone won’t cover the damages, you may be able to file a third-party insurance claim against an at-fault driver or another responsible party.