In no-fault states, drivers are required to carry personal injury protection (PIP) insurance, sometimes referred to as “no-fault insurance.” PIP pays for the policyholder’s accident-related medical expenses regardless of who was to blame for the accident, but it does not cover property damage of any kind.
In a no-fault accident, each driver’s insurance pays for their own medical bills, regardless of who caused the wreck. No-fault states require drivers to have personal injury protection (PIP) insurance in order to pay for their own injury-related expenses, including hospital bills and lost income.
A “no-fault” accident is a wreck that takes place in a state with no-fault laws. However, no-fault laws only apply to injuries, so at least one driver will still be deemed responsible for the crash. That at-fault driver’s … read full answerproperty damage liability insurance will cover damage to the other drivers’ vehicles. If the at-fault driver doesn’t have liability insurance, then you can use uninsured motorist or collision insurance to repair or replace your car.
On the other hand, if you cause a no-fault accident, you will have to use your collision insurance or pay for the damage out of pocket. Your liability insurance won’t pay for your own vehicle repairs.
No, no-fault insurance will not pay for your car repairs after an accident. Even in no-fault states, the at-fault driver is responsible for paying for vehicle repairs after an accident, as no-fault rules do not apply to property damage. No-fault states simply require drivers to use their own personal injury protection (PIP)… read full answer insurance to pay for their medical expenses after a wreck.
As a result, if the other driver is at-fault in an accident that damages your car, requiring repairs, then you need to file a property damage claim through their insurance company. But if you caused the accident, then you need to file a claim with your own collision coverage.
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