What Is the Difference in How PIP and PDL Insurance Coverage Works if You Were at Fault? What if You Were Not at Fault?
The difference in how PIP and PDL insurance coverage works is that PIP insurance covers the cost of each person’s injuries regardless of fault and the at fault driver’s PDL insurance is used to pay for damage to property.
If You Were at Fault:
- PIP insurance generally covers each driver’s medical expenses and lost wages, regardless of fault. So your PIP would pay out to cover you if you were at fault.
- PDL insurance covers damage you cause to another person’s vehicle or property. If you were at fault, your PDL coverage would pay for the other party’s vehicle/property damage.
If You Were Not At Fault:
- PIP insurance would still pay out to cover your medical bills and lost wages, same as if you were at fault.
- The other party’s PDL insurance would pay for damage to your vehicle. Your PDL insurance would not be used.
PIP always covers you regardless of fault. PDL covers damage you cause if you’re at fault, but if you’re not at fault the other party’s PDL pays for your vehicle damage instead. Fault determines whether your or the other driver’s PDL is used.
If you were injured and your insurance claim was unreasonably denied, call for a free consultation with a Tampa insurance bad faith attorney.
