If an at-fault driver has no PIP coverage, who is respnsible to cover the medical costs related to a personal injury?
Question Details: My husband was injured in a car accident and has been seeing a therapist. He had an MRI and is taking medication, plus surgery in the future is possible.
PIP only covers the named insured or any passengers in the insured's vehicle. Likewise, if your husband was a passenger in the at-fault vehicle, then he would be entitled to collect PIP benefits if the policy had such coverage. However, the PIP payments would also operate as a credit to any remaining liability claim against the at-fault driver.
If your husband was in a two-car accident and the other vehcile was at-fault, then the other vehicle's PIP would not provide coverage to your husband since he was not a passenger in the vehicle.
In either situation, however, your husband's own PIP on his policy would also provide benefits if he had PIP coverage.
If your husband was the at-fault driver who was injured without PIP benefits, then he alone would be responsible for his own medical bills.
Now, if you husband was a passenger in the car and he doesn't own a car himself and is not insured through someone he lives with, then he may be entitled to PIP benefit through the vehicle owner he was riding in.
