My Wife got into a couple of accidents, not her fault. She was injured and after the PIP ran out, Fedex insurance took over. When she got a settlement, some of the money went to Fedex to cover costs they paid after PIP ran out. I've dealt with them several time. When my step-son dislocated his shoulder punch a bag in our back yard, They wanted to know if there was a third party,. I said no and that was the end of that.