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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.

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.