Summary
- Personal Injury Protection (PIP) insurance is mandatory in 12 no-fault states and Puerto Rico, covering medical bills and lost income regardless of fault after a car accident.
- Each state has different coverage limits, with Florida requiring $10,000 and New York offering up to $50,000 for basic economic loss.
- Claim deadlines are strict; for instance, Florida mandates initial treatment within 14 days to qualify for benefits.
- Changes in New York's 2026 reforms may significantly impact how claims for pain and suffering are pursued in no-fault cases.
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