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The benefits included in PIP are available regardless of what other benefits you may receive from other sources (including the other driver, if he or she is at fault), and your health insurance won't pay for lost wages. As well as improving you scoring by this method you can also legally remove CCJs. Durham Health Insurance Police reports, witnesses and detailed accident scene investigations can all play an important role in evaluating the cause of an accident and who was at fault. Fact or Fiction: If I'm injured in a car accident, I need an attorney.