Christopher Tidball, Author

THE ADJUSTER
Christopher Tidball

Dear Adjuster,

I recently had an accident and filed a claim for PIP benefits.   The company keeps referring to no-fault.  What is the difference between no-fault and PIP.

Confused

Dear Confused,

PIP and no-fault are often used interchangeably, but there is also a differentiation.  PIP stands for Personal Injury Protection and is a coverage mandated in 13 states.  No fault is a concept designed in the 1970’s to reduce litigation but having people file medical claims related to car crashes with their own insurance company.   Today, there is only one true no-fault state in the U.S., Michigan, whereby accident victims file both medical and collision claims with their own company.   In all PIP states there is recourse against an at fault party for injuries that exceed either a verbal or monetary threshold.

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