No Fault Insurance - Personal Injury Protection
|No fault auto insurance coverage, also known as Personal Injury Protection or PIP, is coverage which applies to a driver, passengers and any pedestrians involved in an automobile accident. It pays up to the policy limits for medical expenses, loss of wages, and other related injuries regardless of who is at fault and even if there is negligence involved.|
Personal Injury Protection was designed to cover medical and related losses as quickly and smoothly as possible. This coverage reduces the amount of lawsuits because lawsuits can usually only be filed if losses exceed the coverage provided by a PIP auto insurance policy.
It is important to be aware that No Fault Coverage (Personal Injury Protection) does not provide any coverage for any vehicle or property involved in accident. To provide coverage for your vehicle you one must obtain comprehensive and collision coverage which will cover your vehicle in case of damage from accidents, water damage, vandalism, theft, fire and more.
To protect against damage to other vehicles or property that you are liable for damaging with your vehicle, you can purchase property damage liability which covers other's property up to the policy limits.