FAQs

Who pays me any no-fault benefits that I am entitled to?

No-fault benefits are paid by the automobile insurance company of the owner of the car you are in at the time of the accident -- even if the driver of that car (whether you or someone else) is not at fault -- hence the term "no-fault benefits."

In other words:

  • If you are driving your own car, your insurance company is responsible for your no-fault benefits.
  • If you are a passenger in a car, the insurance company for the owner of that car, whether that owner is you, a family member or someone else, is responsible for your no-fault benefits.
  • If you are a pedestrian or bicyclist struck by a car, it is the insurance company for the owner of that car that is responsible for your no-fault benefits.

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