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

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PIP insurance coverage pays for your injuries after a crash, regardless of who was at fault. PDL insurance coverage pays for damage to other people’s property that you caused if you were at fault.

Personal Injury Protection (PIP) coverage pays for medical expenses and lost wages for you and your passengers, up to the policy limits, regardless of who is at fault. So PIP coverage will pay out the same whether you or the other driver caused the accident.

Property Damage Liability (PDL) coverage pays for damage you cause to another person’s vehicle or property. If the accident was your fault, your PDL insurance will pay for the other driver’s repairs or property damage up to your policy limits. If you were not at fault, the other driver’s PDL insurance would pay for damage to your vehicle.