What are no-fault benefits?

No-fault benefits are a type of insurance coverage that helps to cover the costs of medical bills and lost wages when an accident occurs. In Delaware, it is a requirement for all drivers to have no-fault benefits coverage, otherwise known as Personal Injury Protection (PIP), on their automobile insurance policy. This type of insurance coverage is designed to provide swift payment of financial damages for medical expenses and lost income due to an accident, regardless of who is at fault. No-fault benefits cover medical expenses, such as hospital and doctor visits, physical therapy, prescription drugs, ambulance transportation, in-home care, and lost wages. There may be restrictions that limit the amount of coverage and length of time that benefits will be provided. In Delaware, the maximum coverage for no-fault benefits is $15,000 per person involved in the accident. These benefits must be used first before any other insurance coverage can begin to pay expenses. It is important to note that no-fault benefits do not cover property damage or wrongful death or any other losses not related to medical and lost wages. If an accident victim suffers from an injury that can be linked to a third-party, the victim might be able to pursue a personal injury lawsuit against the third-party for pain and suffering. No-fault benefits can be an important part of an accident claim, allowing for an injured victim to receive the necessary financial help during and after the accident.

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What are no-fault benefits?

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