Personal Injury Protection

Disputes arising from no-fault coverage between insurers, self-insureds and commercial insureds with large retentions can be quickly and economically settled through the Personal Injury Protection (PIP) Arbitration Forum. Insurers or self-insureds who have signed the PIP Agreement must submit disputes to arbitration if:

  • The dispute arises from the pursuit of direct action recovery rights or loss transfer created through claim or benefit payments to insureds or other parties under a state automobile no-fault law.
  • The amount in dispute is within the limits established under the law of the state. The parties to the dispute are insurers or qualified self-insurers under the state's no-fault law; and
  • The dispute does not involve a claim for recovery rights to which one of the disputing insurers asserts a defense of lack of coverage other than delayed notice, no notice or noncooperation (except where statute differs).

At this time, the PIP Agreement is entered into on a state-by-state basis. Some states mandate using Arbitration Forums to resolve subrogation claims, eliminating the need for litigation.

If your organization fits the qualification of an insurer, self-insured, or commercial insured with a large retention, and you wish to become signatory to the Personal Injury Protection (PIP) Forum, please complete the Agreement, or call 1-866-977-3434.

Please refer to the Rules Document for more information about the Personal Injury Protection Forum rules. If you need further information about these rules, please contact Forum Rules Department.

(15 minutes) - This tutorial will acquaint you with the types of cases filed in each forum, the Rules and Regulations, the compulsory dollar limit for each forum and tips on completing the application as Applicant and Respondent. (Published 06/23/10)