Question

What is the difference in how pip and pdl insurance coverage works if you were at fault? What if you were not at fault?

a) PIP covers your medical expenses, regardless of fault; PDL covers property damage for the at-fault party.
b) PIP covers property damage for the at-fault party; PDL covers medical expenses, regardless of fault.
c) PIP covers medical expenses for the at-fault party; PDL covers property damage, regardless of fault.
d) PIP covers both medical expenses and property damage for the at-fault party; PDL is not applicable.

Answer 1

PIP covers medical expenses, regardless of fault; PDL covers property damage for the at-fault party. If you were not at fault, PIP still covers medical expenses.

Step-by-step explanation:

The difference in how PIP and PDL insurance coverage works depends on whether you were at fault or not.

If you were at fault:

• PIP (Personal Injury Protection) covers your medical expenses, regardless of fault. It pays for your medical bills, rehabilitation costs, and lost wages.
• PDL (Property Damage Liability) insurance covers property damage caused by you to others. It pays for repairs to the other party's vehicle or property.

If you were not at fault:

• PIP insurance still covers medical expenses for you, regardless of fault.
• PDL insurance is not applicable in this scenario since the at-fault party is responsible for covering the property damage.