Car Accidents FAQs

Yes. That is the defining feature of the coverage. Personal injury protection responds to the crash rather than to fault, so an at fault driver who meets the 14 day treatment requirement receives the same medical and disability benefits as anyone else. Fault affects the liability claim, not this layer.

Personal injury protection generally does not seek reimbursement from a claimant’s recovery the way a health plan does, though the PIP insurer may pursue the at fault party separately. Health insurers, hospitals, and government programs are the ones that usually assert repayment rights against a settlement.

Usually yes, if you have your own policy. Personal injury protection generally follows the person rather than the car, so it typically applies whether you were driving, riding as a passenger, walking, or cycling when a vehicle struck you.

Where you have no policy of your own, a resident relative’s coverage or the vehicle owner’s may respond. Someone with no household auto policy at all is in a different position, and that is worth reviewing case by case.

Insurers do reassess, and they can request examinations and records under the policy. Denials frequently follow a treatment gap or a report from an examination the insurer arranged. A denial is not the end of the road, and it does mean the file needs someone paying attention to it.