Personal Injury Protection

No fault auto coverage paying the insured own medical costs and lost wages regardless of who caused the accident.

Overview

Mandatory in roughly a dozen and a half US no fault states, it typically carries limits of 10,000 to 50,000 dollars and covers passengers and sometimes pedestrians. Claims move fast because fault need not be litigated first. In exchange, no fault states restrict the right to sue for pain and suffering above verbal or dollar thresholds, a trade designed to cut court costs and fraud. Funeral and death benefits are common components, and coordination rules with health insurance differ by state. Serious injury thresholds, such as significant disfigurement or permanent injury, reopen the litigation door and frame most settlement talk in no fault jurisdictions.