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Next, someone needs to contact your auto insurance representatives to advise them in the event of any damage to vehicles and, more importantly, to have them open up a "PIP" file and assign it a file number.

"PIP" means Personal Injury Protection. Its part of what you pay for when you purchase auto insurance. Its purpose is to cover you for your own medical expenses arising out of an auto accident, regardless of who was at fault, which is why it is sometimes referred to as "no fault" insurance. When you go to see your doctor or visit the hospital, you will be asked to provide the name of your auto insurance company, along with the policy number and "PIP" file number...

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