Do I have to pay back any money I receive after a claim?

My insurance paid out a PIP claim after I was injured in an at-fault accident. Do I have to pay them back?

Answer
“Since you were at fault in the accident, you are not required to pay your car insurance back for the PIP claim.
If you were not at fault in an accident, your insurance would likely seek reimbursement from the at-fault party’s insurance. If you chose to file a lawsuit against the other driver, your insurance would seek part of the settlement to cover your personal injury costs.
Beyond this, you wouldn’t be required to pay anything additional to your insurance. You pay a premium to ensure that you have coverage for claims.”
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Emily Maracle
Answered on Jul 06, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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