Final answer:
PIP insurance covers medical expenses and other related costs regardless of fault in an accident, whereas PDL insurance covers property damage you've caused to others. When you're not at fault, the other driver's PDL should pay for damages to your car, while your PIP can cover your medical expenses.
Step-by-step explanation:
Difference Between PIP and PDL Insurance
When you are not at fault in an automobile accident, the types of insurance coverage that come into play include Personal Injury Protection (PIP) and Property Damage Liability (PDL). PIP is a component of auto insurance that covers medical expenses, lost wages, and other non-medical costs for you and your passengers, regardless of who caused the accident. It's often referred to as "no-fault" insurance because it pays out claims without regard to fault. On the other hand, PDL insurance covers the costs to repair damage you cause to someone else's property with your vehicle. If another driver is at fault, their PDL insurance should cover the damages to your car.
It's important to note that policies and laws vary by state, so coverage specifics can differ. In states with no-fault laws, PIP insurance may be required, meaning it's a mandatory part of your auto insurance policy. In contrast, PDL insurance is typically mandatory across the United States, but minimum coverage limits vary by state.