Question

Based on the picture, what is the difference in how PIP and PDL insurance coverage works if you were at fault? What if you were not at fault? PIP insurance B. Does PDL insurance cover repairs to your car if you were at fault in the crash? If so, explain. If not, what insurance would you need to cover the damage to your car?

Answer 1

PIP insurance covers personal injury expenses, PDL insurance covers repairs to the other person's car if you're at fault. Collision coverage can help pay for repairs to your own car if the other driver doesn't have sufficient insurance.

Step-by-step explanation:

If you are at fault in a car accident, the difference in how PIP (Personal Injury Protection) and PDL (Property Damage Liability) insurance coverage works is that PIP insurance covers your medical expenses and lost wages regardless of who is at fault, while PDL insurance covers the cost of repairing the other person's car if you are at fault. So, if you have PDL insurance and you are at fault in a crash, it will not cover the repairs to your own car.

However, if you were not at fault in the crash, the other driver's insurance (if they have PDL coverage) would cover the repairs to your car.

If the other driver does not have insurance or their insurance is not enough to cover the damages, you may need to rely on your own collision coverage, if you have it. Collision coverage can help pay for repairs to your car, regardless of who is at fault.