now even though you’re not at fault you can be sitting at a red light and get rear-ended if you are taken to the hospital or you seek medical treatment your pip or no fault insurance is going to be the primary insurance for the first insurance that is responsible for paying your medical bills. there are four slots to hold chests and once you have four chests, you won't get any more. my mother wanted me to adjust with that as we had no money. we are careful with the sprays we use and use only where necessary. 