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What is No-Fault Coverage?

No-fault coverage applies to expenses resulting from injuries sustained in an accident. It was established to help ease the burden of the courts ensuring proper treatment for accident victims.

No-fault is the Personal Injury Protection (PIP) on your policy also referred to as Basic Economic Loss Benefits. No-fault covers your medical costs, wage loss, replacement services such as housekeeping and, in the event of death, money for funeral expenses. Make sure to contact the Binghamton personal injury lawyer at for further info and they also service loans for bad credit online instant decision.

No-fault claims are first made on your own PIP policy. The minimum no-fault coverage is $40,000 as of 2017. This amount is available to each person injured in the accident. $20,000 is allowed for medical expenses and $20,000 may be used for non-medical expenses including wage loss. Coverage may be purchased beyond these minimum limits.

If you have questions about no-fault coverage or if you have been injured, contact Scott Kelly at 507-625-2525.