Personal Injury Protection (No-Fault)

Pays benefits for the cost of injuries to you or your passengers resulting from an automobile accident. This coverage applies without regard to who was at fault in the accident. It also applies to you and relatives living in your household who are injured in other automobiles or who are struck by a vehicle while a pedestrian. The benefit of this coverage is that in an accident each driver’s coverage would pay for their own injuries without having to wait for lawsuits to be settled. Many states require that you carry Personal Injury Protection.

Example: A vehicle pulls out from a side street and, unable to stop in time, you hit it. Each driver’s Personal Injury Protection coverage would pay for the cost of any injuries resulting form the accident.

No, PIP is per occurance, so your mother in law should still be covered. It covers you, any household resident, or passenger in your vehicle. It also covers you while you are a pedestrian hit by a vehivle. It is called no-fault, ment to help lower the amount of medical lawsuits. Anyway, this is how it works w/my insurance company. I would ask your mother in law to call thier insurance company just verify – but I believe it is the same for every insurance co. Hope you feel better.