The "No-Fault" (P.I.P.) law was written in such a way that you will only be eligible for "No-Fault" (P.I.P.) benefits from one, and only one arbitrarily-predetermined auto insurance company. The fact that you are eligible for "No-Fault" (P.I.P.) benefits from one arbitrarily-predetermined auto insurance company will automatically destroy your eligibility to receive "No-Fault" (P.I.P.) benefits from any other auto insurance company. So, despite what most people think, you cannot "pick" which auto insurance company will pay your "No-Fault" (P.I.P.) benefits. The auto insurance company that will pay your "No-Fault" (P.I.P.) benefits was already pre-determined (before the accident ever happened) by the legal formula (shown below). As this name implies "fault" has nothing to do with it and (except as explained below) it makes no difference which cars were involved in the accident, or whose car you were in. The bottom line is that under the "No-Fault" (P.I.P.) law, every auto insurance company that takes money from its customers must pay "No-Fault" (P.I.P.) benefits to their own customers (and to that customer's dependent household relatives who do not own their own driveable vehicle, and to that customer's passengers or drivers who do not own their own driveable vehicle and who do not live with a relative upon whom they are dependant who owns their own insured vehicle). Under the "No-Fault" (P.I.P.) law, no auto insurance company ever pays "No-Fault" (P.I.P.) benefits to anyone except to their own customers (and to that customer's dependent household relative who do not own their own driveable vehicle, and to that customer's passengers or drivers who do not own their own driveable vehicle and who do not live with relatives upon whom they are dependant who own their own insured vehicle). Thus:

1. If on the date of the accident you owned a driveable car (or small truck or van) you will not receive "No-Fault" (P.I.P.) benefits at all, unless you receive them from the auto insurance company that insures your own car (even if your car was not even in the accident) no matter who was at fault, and no matter whose car you were in at the time of the accident.
   
   
2. If on the date of the accident you did not own a driveable car, but you lived with a relative (by blood or legal marriage) upon whom you were dependent and who owned an insured car, then you will not receive "No-Fault" (P.I.P.) benefits at all, unless you receive them from the auto insurance company of your household relative (even if your relative's car was not even in the accident) no matter who was at-fault, and no matter whose car you were in at the time of the accident.
   
   
3. If on the date of the accident you did not own a driveable car, and did not live with a relative upon whom you were dependent and who owned an insured car, then you will not receive "No-Fault" (P.I.P.) benefits at all, unless you receive them from the insurance company of the car you were in at the time of the accident (or, if you were on foot, or on a bicycle or moped at the time of the accident, the car that struck you), no matter who was at fault. But, you will not receive "No-Fault" (P.I.P.) benefits from the auto insurance company of the car you were in (or struck by) at the time of the accident if on the date of the accident you owned a driveable car, or if you lived with a relative who owned an insured car.