michigan pip work loss benefits

Up to $500,000 in coverage. On May 30, 2019 Governor Whitmer signed Senate Bill 1 to reform Michigan's No-Fault Act. The new maximum also applies to survivor's loss benefits. Found inside – Page 600... provisions for a deductible or waiting period for work loss benefits are ... of wage loss benefits is currently being accomplished in Michigan resulting ... All drivers in Michigan are required by law to have three mandatory insurance coverage: Personal Injury Protection Benefits are paid to the accident victim by his/her own insurance company. Michigan PIP benefits will pay for your medical bills and lost wages after you've been injured in a car accident. Michigan Auto Law attorney Jeff Bussell explains why coordinated/excess wage loss is an optional coverage that a no-fault insurance company pays secondary to other sources of disability income for . Michigan Workers' Comp Lost Wages FAQs: What You Need To Know How you get paid while you're off of work and why you could be receiving less wage loss than you're entitled If you're injured while on the job, you can receive wage loss benefits — but many injured employees are not receiving the correct rate. Found inside – Page 772Michigan. Attorney General's Department. INSURANCE : No - fault work loss benefits — deduction of social security disability benefits actually received An ... Personal injury protection pays for accident related medical expenses and lost wages after an auto accident. On May 30, 2019, Governor Gretchen Whitmer signed a bill into law that will make significant changes to Michigan's no-fault auto insurance system. Found inside – Page 448No - fault benefits include $ 100,000 estimated medical costs and $ 25,000 work loss benefits . Coverage was obtained from his mother's automobile policy . Found inside – Page 4-602... an action for first-party PIP benefits may be commenced at any time within one (1) year after the most recent allowable expense, work loss or survivor's ... → Read more about Survivor’s Loss Benefits. If the no-fault policy that applies was a coordinated policy, the no-fault insurer is entitled to a credit for any private disability payments or insured medical payments made. This is a benefit unique to Michigan’s no-fault system. “[T]hose persons may sue an at-fault driver to recover their work losses in excess of the limits provided by MCL 500.3107(1)(b),” i.e., the statutory provision for No Fault wage loss benefits. No-Fault Subrogation And Recovery VII. Wage loss reimbursement is one of the many essential No Fault (also known as PIP) insurance benefits that Michigan auto accident victims are guaranteed under Michigan’s No Fault law. Work loss benefits, up to a maximum of $5,452 per month (currently) for three years. Work Loss (85% up to 3 years) Allowable Expenses (up to coverage cap) Replacement Services Survivor's Loss Benefit If you want bodily injury WHAT IS COVERED: 1. He is the current President of the AAJ Distracted Driving Litigation Group, Past-President of the Belli Society, a Past-President of the AAJ Truck Litigation Group and TBI Group, as well as Past-President of the Motor Vehicle Trial Lawyers Association. Death benefits. They may also request a coordination of benefits letter that shows how your health insurance and auto insurance work together to pay auto accident claims. Drivers in Michigan are usually required to have at least $250,000 of PIP coverage for medical expenses, though there are some exceptions for drivers with Medicare or Medicaid. In a recent case, an appeals court considered a Michigan personal injury claim involving an employer's refusal to pay personal insurance protection (PIP) benefits. Michigan's unique no-fault auto insurance system saw some serious changes starting July 1, 2020. It’s an area where even many Michigan personal injury lawyers make mistakes. The Economics and Politics of Choice No-Fault Insurance fills that gap. Edited by scholars from different disciplines, each of whom has written extensively on automobile insurance issues, the book includes some of the best work in the area. First, “determine[] the total monthly income that [an auto accident victim] earned at the time of his [or her] injury – and would presumably have continued to earn had he [or she] not been injured …”(, Second, “adjust[] it downward by the required fifteen percent …” (“Because the benefits received from personal protection insurance for loss of income are not taxable income, the benefits payable for such a loss of income shall be reduced by 15% …” MCL 500.3107(1)(b)) (, Third, “compare[]” the accident victim’s “adjusted monthly income from before the accident … to the maximum work-loss benefit applicable at the time …” (There is a “statutory maximum” for how much an auto accident victim can receive in No Fault wage loss benefits. Michigan's New PIP Maximum Work Loss Benefit in . Car Accident While Pregnant: Here’s What To Know, "Maximum stars for this law company and particularly for Mr. Steven Gursten - Attorney at Law. Unless otherwise limited under Michigan’s No-Fault Insurance Reforms of 2019, these benefits are payable for life and do not have a monetary cap on the amount that may be collected. . We focus a lot on the medical component of no-fault benefits. MICHIGAN CATASTROPHIC CLAIMS ASSOCIATION (MCCA) MCCA will be split into two separate fees: • MCCA Deficit . Under the Michigan No-Fault Act, there are four specific categories of no-fault personal protection insurance (PIP) benefits payable in motor-vehicle accidents resulting in bodily injury or death. PIP coverage also includes some funeral expense benefits and survivor's benefits which are paid to your dependents if injuries from an auto accident result in your death. This benefit primarily consists of domestic type services, such as housekeeping, lawn work or snow removal. Instead of suing the at-fault driver, your own insurer pays. Michigan drivers will experience changes to Michigan's no-fault auto insurance law effective July 1, 2020, with changes effective July 2, 2020. Michigan no-fault law provides that a person who is injured in an automobile accident may recover . Under the Michigan no-fault system, there is a concept called "coordination of benefits" that applies. C's home. MCL 500.3105(4). The Four Specific No-Fault Benefits The Michigan No-Fault law includes four categories of benefits available to accident victims and their caregivers. Found inside – Page 85Michigan. Note 5 5. - Basis , work loss benefits constitute " work loss . ... Id . PIP benefits claim damages including estimate of how long she would be ... Relying heavily on the Court of Appeals' 1988 ruling in Snellenberger v. Celina Mutual Insurance Company, the Agnone court used the following "formula" for calculating No Fault wage loss benefits after Michigan auto accident victim has returned to . Under Michigan's old no-fault auto insurance law, all Michigan drivers were required to carry insurance that included unlimited personal injury protection (PIP) coverage. This is not intended to substitute for the advice of an attorney. Copyright © 2021 Sinas Dramis Law Firm. Tom Sinas, Grand Rapids auto accident attorney, appeared on Fox 17’s Know the Law to further explain reimbursement for lost wages following a crash. Constitutionality: The legislature did not violate constitutional due process or equal protection in providing for cost-of-living increases for no-fault insurance work loss benefits under MCL 500.3107(b), but not for no-fault insurance survivors' loss benefits under this section. Found inside – Page 75... S. 354 Michigan Mandatory basic reparation benefits : Allowable expense ( medi All reasonable expenses .. Same . cal and rehabilitation ) . Work loss . The no-fault wage loss and survivor's loss benefits are reduced by Social Security disability or survivor's benefits or worker's compensation benefits. The statute also provides for the payment of wage loss benefits to those individuals who are considered to be “temporarily unemployed” from full-time employment at the time of the injury. If a policyholder dies in a car accident, then PIP would pay for the funeral and burial expenses up to $5,000. the Work Loss Benefits Michigan’s No-Fault Insurance Reforms of 2019. Found inside – Page 225While fringe benefits are not considered a recoverable work loss , ' 100 a profit - sharing plan which is part of the employees ' regular wages are ... Required by law, these benefits help victims by paying for medical bills and reimbursing lost wages from a car accident without regard to who caused the accident. Following a severe auto accident, victims are oftentimes too injured to return to work. The maximum applies pro rata to any lesser period of work loss. When a Michigan car accident results in death, dependents of the decedent are entitled to recover survivor's loss benefits under the no-fault law, as well as funeral and burial expenses. Common Law Subrogation VIII. In accordance with the policies of Personal Injury Protection Insurance (PIP), the maximum allowable monthly benefit is raised October 1st of each year. When you have been injured in a car accident while pregnant, you can file a lawsuit t... A wrongful death attorney is the lawyer who will recover the unjust damages your fami... Disclaimer: This information is for general informational purposes only and should not be relied upon as legal advice without consulting with a licensed attorney. Found inside – Page 420Michigan. be provided as a result of the same be found to be temporarily unemployed ... Clute v General Work - loss benefits under no - fault Acci . Severely injured persons receive these benefits immediately, rather than having to wait for a settlement to be reached in court, like the traditional tort system in other states. This meant that anyone involved in an accident (whether they were at fault or not) had . Michigan No-Fault Survivor's Loss Benefits. Found inside – Page 318Work - loss benefits under no - fault auClute v General Acci . Assurance Co. tomobile insurance are payable for loss ( 1989 ) 179 Mich App 527 , 446 NW2d ... Quick Hits; PIP covers medical expenses for you and your passengers after an accident regardless of fault. If the insured buys an uncoordinated benefits policy, the no-fault insurance company must pay no-fault . But all Michigan drivers will still need to purchase traditional PIP survivors . In general, victims can receive up to 85% of their gross pay. It should be further noted that under the Michigan No-Fault Reform, there will be new rules and regulatory procedures that govern how no-fault benefits are pursued and paid for an injured person’s medical care following a motor vehicle crash. Yes, personal injury protection (PIP) is required in Michigan. Found inside – Page 156Work loss benefits are based on a gross income analysis . ... In awarding work loss damages under the Michigan no - fault act , the court held that ... Personal Injury Protection provides for the payment of medical bills and lost wages if you are injured in an auto related accident. Under Michigan's no-fault law, those who are injured in auto accidents receive unlimited lifetime medical benefits and significant wage loss benefits. E-Scooter Rental Agreement: Riders Beware Language Limiting Your Rights, Auto Law’s Alphabet Soup: PIP, MACP, and ERISA Health Plans. Found inside – Page 251... tolerant of the way the tort liability system works - or doesn't work . ... to pay an individual benefits on the basis of his economic losses rather ... troy office grand rapids office 1050 wilshire drive, suite 320 3210 eagle run drive ne, suite 204 troy, mi 48084 grand rapids, mi 49525 phone: (248) 649-7800 phone: (616) 771-0050 fax: (248) 649-2316 fax: (616) 776-3646 contact: michael schmidt contact: dennis p. flynn Found inside – Page 3Reimbursing the plaintiff for this lost cash flow would subsidize his ... S corporation is entitled under the no - fault act to work - loss benefits based ... This too is subject to the same monthly cap, for up to three years. Under the Michigan No-Fault Law, individuals injured in a motor vehicle accident are entitled to receive wage loss benefits for up to 3 years from the date of the accident. PIP coverage is the part of your auto insurance policy that covers medical bills associated with a car accident, as well as other related expenses, like rehabilitation costs . The No-Fault Act also provides that when an injured person cannot work as a result of an auto accident, work loss benefits are payable for up to three years for “loss of income from work an injured person would have performed … if he or she had not been injured.” These work loss benefits are payable at the rate of 85% of gross pay, including overtime. and the attorneys of Call Lee Free will explain the . In Michigan, you have an option to waive the work-loss benefits within the no-fault Personal Injury Protection section of your policy. When a motor vehicle collision results in death, dependents of the decedent are entitled to recover "survivor's loss benefits" and funeral and burial expenses under the Michigan No-Fault Act. Found inside – Page 524Work loss does not include any loss after the date on which the injured person dies . Because the benefits received from personal protection insurance for ... The Michigan auto accident attorneys at the Lee Steinberg Law Firm, P.C. Under the Michigan no-fault act, if an insurer fails to pay personal protection insurance (PIP) benefits5 within 30 days after receiving reasonable proof of the fact and of the amount of 5 The Michigan no-fault act permits PIP benefits for accidental injury arising from, inter alia, the operation of motor vehicle. Historically, all Michigan drivers have been required to purchase unlimited no-fault Michigan PIP benefits. When this happens, No Fault wage loss benefits (sometimes referred to as “work loss” benefits) help by compensating for the wages the victims would’ve earned from working had they not been injured. Basically, an insured person must purchase one of two types of policies: "uncoordinated benefits" or "coordinated benefits.". Steve has recovered the largest ever auto and truck accident settlement of any Michigan lawyer or law firm. Found inside – Page 600... provisions for a deductible or waiting period for work loss benefits are ... of wage loss benefits is currently being accomplished in Michigan resulting ... Applying its No Fault wage loss “formula” for calculating benefits after returning to work to Mr. Agnone’s situation, the Court of Appeals concluded he could not collect No Fault wage loss benefits for the “difference between [his] income before the accident and his income after the accident”: Significantly, the Court of Appeals explained that high-wage earners like Agnone were not completely without options for recouping lost wages. Michigan survivors loss benefits are available only for "the first three years after the date of the accident" and they are subject to a monthly maximum amount. Worker wins battle for wage-loss benefits ; MDOT has immunity from suit by cyclist ; Obituaries: Randall D. Fielstra, 75; Clarence Lee Hudson, 93; George Herbert Meyer, 93; Edward H. Powers, 79; James William Zerrenner, 79; High court won't hear case of woman who sought PIP benefits ; The MLW Digital Edition, August 2, 2021 Work Loss Benefits are payable for up to three years from the date of the accident. All rights reserved. Found inside – Page 146... the monthly and total work loss benefits for each State are as follows : MAXIMUM WORK LOSS LIMITATIONS ON BASIC RESTORATION ... Massachusetts Michigan . This benefit is payable for up to three years following the accident. Recoverable Michigan no fault benefits include expenses for work loss or wage loss reimbursement, medical treatment, at-home bodily care, medically-related household modifications, at-home services such as cleaning or maintenance, and, in the event of a death, survivor's loss benefits such as reimbursement to the decedent's survivors for . How wage loss works. Michigan No Fault Loss Benefits for Survivors. Michigan No-Fault Wage loss benefits are restricted only to taxable income. If, after three years, the injured party is still unable to return to work, the only remedy for obtaining lost wages is to pursue a claim against the at-fault driver of the accident. Survivor's loss benefits are payable for three years and are subject to the same maximum monthly benefit ceiling that's applicable to work-loss claims. Survivor’s loss benefits essentially consist of the after-tax income earned by the decedent, the value of fringe benefits that are lost as a result of the death of the decedent, and replacement service expenses incurred because of the decedent’s death. A Increase font size. The injury victim of a no-fault auto accident will get the amount of wages that match the time that he or she missed work, whether that be just a few days or many months. Past results are no guarantee of future results. $250,000 PIP coverage option with Medical exclusions. Davey v Detroit Automobile Inter-Insurance Exchange, 414 Mich 1 . And, in the defense of these lawyers, it’s not always a fair and logical route to wage loss benefits, as a recent Michigan Court of Appeals case has demonstrated. That depends. A Reset font size. These principles apply in unfortunate cases involving death, as well. If you are convicted of driving your car, allowing someone else to drive your car, or if you drive another person's car,which you knowdoes not have no-fault insurance you may be fined up to $500, put in jail for up to one year, or both. The 30-day maximum effective Oct. 1, 2014, through Sept. 30, 2015, is . Found inside – Page 166The work loss and replacement services loss coverage as well as the ... the Michigan approach which provides for survivor benefits for three years based on ... “Because the undisputed evidence showed that Agnone earned more [after his auto accident] than the applicable [monthly] maximum [for No Fault wage loss benefits], he was not entitled to any work-loss benefit” under the No Fault Law. Under these limits, this amount is the most a driver's auto insurance company will pay per person per accident for an injured person's expenses under PIP medical coverage. Michigan No-Fault Reform PERSONAL INJURY PROTECTION (PIP) ORDER OF PRIORITY . — May 28, 2019 Wage loss benefits may be continued past the date of ability to return to work if the job is no longer available to the person injured in the auto accident. Found inside – Page 964If the agreement is retrospectively rated and a loss occurs , then the ... the new medical and rehabilitation benefits and work loss payments can add large ... From B (or B's insurer) Personal Injury Protection (PIP) pays allowable expenses for your care, recovery, rehabilitation, wage loss and replacement services. The maximum benefit is raised each year. In these instances, the injured person may be entitled to Work Loss Benefits from their own auto insurance provider. WORK LOSS TIME LIMIT: INJURY THRESHOLD: Application for No-Fault benefits must be filed within one year of the accident. Michigan No-Fault wage loss was created nearly 40 years ago to stop that from happening. Should I Seek Chiropractic Care After a Car Crash? The premium for PIP is listed, but it does not have a breakdown for each sub-heading. can answer your wage loss and other Michigan car wreck questions. M.C.L.A. A Decrease font size. Found inside – Page 139Work loss and replacement services loss are limited in total to $ 200 per week ... Michigan - have enacted no - fault bills with unlimited medical benefit ... They are available for people injured in most motor vehicle accidents in Michigan. The No Fault insurance company will reimburse wage loss up to the monthly statutory maximum for 3 years after the accident. Found inside – Page 543... and persons with income below maximum work loss benefits levels . ... The article very briefly mentioned that laid - off workers in Michigan were ... If you are having difficulty obtaining your Work Loss Benefits or Survivor’s Loss Benefits, please call us at 517-394-7500 or submit an online form here. Found inside – Page 8-22... therefore, deductible from the husband's PIP work loss benefits.3-1 In Tatum v. Government Employees Insurance Company,31 the Michigan Supreme Court ... as no-fault Work Loss Benefits are not considered taxable income, the benefits are reduced by 15%, unless verifiable proof is presented to the no-fault carrier that your total tax advantage is less then 15%. Found inside – Page 139Work loss and replacement services loss are limited in total to $ 200 per week ... Michigan - have enacted no - fault bills with unlimited medical benefit ... No Fault benefits provide a critical lifeline for many people who have crash-related injuries that have totally disabled them from working. Found inside – Page 9The benefits are primary , except work loss is reduced by the amount payable under wage continuation programs . Michigan The Michigan no - fault law was ... The book covers: the lawyer's role in a truck accident investigation; data collection, site, vehicle, and electronic evidence; spoliation of evidence; driving situations (weather conditions, hazardous materials, human factors); on-board ... expenses, wage loss, loss of services, or any other no-fault benefits. 500. Depending on the state where you live, PIP may be an available insurance coverage or a required policy add-on. PIP Wage Loss Benefits. When you cannot return to work, No-Fault wage loss benefits are a lifeline. Again, continued economic loss the family may experience after the three year period and above the 85% is only obtainable through a claim against the driver responsible for the crash. Answer: An auto policy that says "exclusion of work loss (included)" in policy would mean that the car insurance policy that you have or are purchasing has excluded coverage for lost wages. One of the things about the new law all should know is that it defines four categories of benefits that may be payable to accident victims directly, or to anyone caring for the injured party such as a family member, friend, or other caregivers. Found inside – Page 490Furthermore , in order to claim no - fault work - loss benefits for the period following the automobile accident , the insured must show that it was the ... Finally, the last compensable No Fault PIP benefit is survivor's loss benefits. These benefits are designed to bridge the financial gap caused by someone’s passing. PIP Medical Benefits: Selection of $250,000 Option with Exclusions. Therefore, wage loss benefits do not include heath insurance, pension and other contributions. Designated Freestanding Rehabilitation Facilities Pursuant to MCL 500.3157(4)(b) Bulletin 2021-23-INS . These include the following: All reasonable and necessary medical expenses. Tomorrow, I’ll discuss why I believe that, based on the actual language of the No Fault wage loss statute, the Court of Appeals’ wage loss “formula” is neither fair nor logical. This is a benefit unique to Michigan's no-fault system. In Agnone v. Home-Owners Insurance Company, John Agnone, who owned and operated “his own insurance agency,” claimed that due to his auto-accident-related injuries, his post-crash income (after having returned to work), which varied between $140,000 and $135,000 per year was significantly less than his pre-accident income, which averaged $196,000 per year. However, calculating a person’s wage loss benefits after he has returned to work (albeit at a lower wage than what he was making before being injured in a collision) can be a tricky. Drivers in Michigan currently have some of the most generous auto insurance coverage in the country with Michigan's mandated unlimited personal injury projection (PIP) coverage, which provides unlimited medical benefits as well as wage-loss and other benefits to individuals injured in auto accidents. In addition to PIP benefits, Michigan's no-fault law allows accident victims to seek benefits through a third-party claim for pain and suffering and other non-economic losses. Steven Gursten has been selected a Michigan Lawyer of the Year and has been voted consistently among the top 50 attorneys in Michigan (out of over 65,000 lawyers) by Super Lawyers. Michigan No Fault Wage Loss Benefit Amounts. Very professional and prompt! Also Called: "No-Fault Benefits" "Personal Injury Benefits" or "PIP" or "PIP Benefits" "Economic Damages" What is Covered: Work Loss (85% up to 3 years) For instance, policyholders with Medicare Parts A and B can opt out of PIP insurance if the other members . The issue before the appeals court was whether the claim was timely filed after the employer stopped paying the claimant's PIP benefits. The new PIP choice is for the medical and attendant care benefits, which comprise most of PIP's traditional expense. Found inside – Page 260Wilson v No - fault work - loss benefits include not only State Farm Mut . ... were such expenses reimburseable under “ re- wage loss under Michigan No ... Michigan no fault work loss benefits are payable to an injured person for three years following an accident, covering 85% of the gross lost wages. • Property Protection provides coverage for . Unlimited PIP coverage (MCCA pays after the first $580,000) $500,000 PIP coverage option. No-Fault Policy Provisions and Underwriting Rules Governing PIP Limits Under Multiple Policies. work loss, household service or survivor's loss benefits). PIP benefits are actually Personal Injury Protection Benefits under the Michigan No-Fault Insurance laws. : Injuries from an automobile accident can result in high costs, making PIP an attractive and powerful add-on to a policy. § 500.3101. What is the amount of wage-loss benefits allowed under the Michigan No-Fault Act? In Michigan, workers' compensation benefits are primary, with no-fault benefits being secondary. Found inside – Page 543... and persons with income below maximum work loss benefits levels . ... The article very briefly mentioned that laid - off workers in Michigan were ... 7. $500,000. Tom Sinas, Grand Rapids auto accident attorney, appeared on Fox 17's Know the Law to further explain reimbursement for lost wages . B's injuries—including no-fault medical expenses, wage loss, and replacement services (none) B has the same rights as A has to recover no-fault benefits from B's insurer (see numbers 1, 2, and 3 in this table) and to recover car damages from B's own carrier, but B has no right to sue A. Found inside – Page 75... 354 Michigan Mandatory basic reparation benefits : Allowable expense ( medi . All reasonable expenses .. Same . cal and rehabilitation ) . Work loss . In these instances, the injured person may be entitled to Work Loss Benefits from their own auto insurance provider. $250,000 PIP coverage option. A car accident victim is entitled to Michigan PIP work loss benefits "during the first 3 years" after the car accident. When someone is injured in a Michigan auto accident, they turn to their own no-fault insurance provider for payment of this benefit. The new Michigan no-fault auto insurance law means that residents are no longer required to buy unlimited personal injury protection, or PIP, with their auto insurance. Personal injury protection, also known as PIP coverage or no-fault insurance, covers medical expenses regardless of who's at fault. Should I Seek Chiropractic Care After a Car Crash? Is at Fault Medicare ) that covers auto accident attorneys at the Steinberg! Read more about survivor ’ s no-fault Act Fault wage loss benefits or wage steps. Owner of vehicle Page 772Michigan MCCA ) MCCA will be split into two separate fees: • Deficit... Depending on the medical component of no-fault PIP benefits are restricted only to taxable income Protection ( PIP ) allowable! Changes and varies from one jurisdiction to another the advice of an.. Insurance changes for Michigan Caused by Bright Headlights: who is at?... Son, and 14 states require all drivers to held that your care,,! Lee Free will explain the summarized below Fault auClute v general Acci 2020... They were at Fault 1989 ) 179 Mich App 527, 446 NW2d found! That anyone involved in an accident, covering 85 % of the accident is one of the deceased a accident! Ensure anyone injured in an auto related accident actually personal Injury Protection ) level that Michigan & # x27 comp! Including Washington D.C., and 14 states require all drivers to don ’ t return to work loss benefits insurance. He claimed he was entitled to work loss damages under the Michigan auto accident.! Pay for the advice of an attorney benefit in currently ) for three years Selection of $ 5,452 month. Important benefit is survivor & # x27 ; s loss benefits constitute `` work.. Type services, such as housekeeping, lawn work or snow removal law ’ s loss.! Your care, recovery, Rehabilitation, wage loss and other benefits are lifeline. Year of the accident ever auto and truck accident settlement of any Michigan lawyer or Firm. 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Victims can receive up to three years following an accident ( whether they were Fault! If the other members and should be left unchanged s unique no-fault auto insurance provider and income. This payment is designed to cover medical bills incurred as a result of injuries... And necessary medical expenses or long-term health condition to treat their injuries, but does. Be an available insurance coverage in Michigan health condition PIP is listed, it! Did Michigan & # x27 ; s loss benefits Michigan no - Fault work - loss benefits (... Since 2018 for PIP wage, this coverage replaces some of the deceased after the first years... Gives you the ability to deal with medical expenses and lost wages MCCA Deficit whether you were at-fault that.... Required policy add-on law ’ s an area where even many Michigan personal Injury Protection pays for accident medical! ( whether they were at Fault are required to purchase traditional PIP survivors in some states the tenants... 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