What does Personal Injury Protection (PIP) cover?

Personal Injury Protection (PIP) is a type of auto insurance coverage that is designed to cover medical expenses and lost wages resulting from an auto accident. This coverage is beneficial as it provides immediate financial support for the policyholder and passengers in the event of an accident, regardless of who is at fault.

This coverage typically includes a range of medical expenses such as hospital bills, physical therapy, and rehabilitation costs for injuries sustained in the accident. Additionally, PIP compensates for lost wages, which can be invaluable for individuals unable to work due to injuries from the incident.

This makes it distinct from other coverages that may be listed in other options. While some choices mention property damage or vehicle repair costs, these are typically covered under different insurance categories, such as collision or comprehensive coverage, rather than PIP. PIP specifically focuses on the personal injury aspect, making the option detailing medical expenses and lost wages for the insured and passengers the right choice.