PIP coverage and NC auto accident injury claims
North Carolina is a liability state, which means if you’re in an auto accident, you’re going to make a claim (normally) against the at-fault party, whose liability insurance should cover it.
If you happen to reside in a state with PIP coverage, that can create a weird intersection between insurance coverages.
PIP (personal injury protection) coverage insures you against other people’s negligence as well as your own. So if you’re in an auto accident, regardless of who is at fault, your carrier takes care of your losses. Different states have varying versions of PIP coverage, none of which I’m an expert on, but you can imagine that if a PIP customer has an NC auto accident, they’re going to have some interesting questions to answer.
Sometimes the PIP won’t cover out of state accidents. Sometimes they’ll cover it, but expect to be paid back by the liability carrier. Sometimes they’ll cover it and not expect to be paid back. That last one is my favorite, so fingers crossed if you have this issue, you get that as your outcome!
The bottom line is this stuff is complicated, so seek competent legal representation. Call me at 919-929-2992.
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