No fault personal injury protection offers protection for the driver if no one is at fault at the accident. The policy pays the costs of the medical expenses, and other expenses related to physical injuries. No fault PIP auto insurance policies pay for all the losses involved in the accidents. You have a lower chance of getting sued because the third party can only file a lawsuit if the accident cost is higher than the coverage amount.
Expenses that are covered by a no fault personal injury protection auto insurance coverage include medical cost, rehabilitation cost, death benefit, lost wages, and daily allowances. The compensation for lost wages is a percentage of the current employment wages. You will only get compensation up to the maximum limit, as stated in the insurance policy. The daily allowance will be reimbursed to help you pay for necessary expenses such as baby sitting, maid services, gardening services an etc. You are paid the same amount of money every day, up to the time of the accident.
To be eligible to receive the benefit, you must not violate the regulations defined in the insurance policy. You will not be eligible for the benefit if you are under the influence of alcohol or drug at the time of the accident. If the accident is planned or the injuries are caused intentionally, the insurance company will not release the PIP benefits. You will also not qualify for the PIP auto insurance coverage if you operate an all terrain vehicle. If you carry out a felony and get involved in accident, you are not covered as well.
