If I did not cause the automobile accident why should I file my medical bills on my Personal Injury Protection (PIP) insurance?
Personal Injury Protection (PIP) is a no-fault, no subrogation interest, medical payments coverage that pays for the accident related medical expenses, lost wages, and certain other expenses, of all persons who are injured in a covered auto accident. PIP pays for accident related medical expenses regardless of whether there are other applicable insurance coverages.
Premiums that you pay for PIP coverage take into account the fact that PIP does not have any subrogation interest and that there may be other insurance that might otherwise pay for the applicable medical expenses. PIP coverage is oftentimes likened to life insurance. If someone with three life insurance policies dies then all three policies pay the specified benefits. PIP insurance is designed to pay an amount equal to your auto accident related medical expenses regardless of fault or the availability of other insurance coverage.