This specifies which persons may receive the First-Party Benefits under a No-Fault policy when the accident occurs in the state where the vehicle is registered (I.S.) and when the accident occurs out-of-state (O.S.). In most states the named insured, relatives, vehicle occupants and pedestrians suffering a loss in an in-state accident are entitled to benefits. In out-of-state accidents, most states exclude pedestrians other than insureds, and family members from first-party benefits.