Which type of coverage is specifically designed to assist with medical expenses for the insured?

Personal Injury Protection (PIP) is specifically designed to assist with medical expenses incurred by the insured and, in many cases, their passengers, regardless of who is at fault in an accident. This coverage is part of no-fault insurance systems, where PIP benefits can cover medical costs, rehabilitation, lost wages, and even funeral expenses resulting from a vehicle-related incident.

Liability coverage, on the other hand, primarily protects the insured from claims made by others for bodily injury or property damage if the insured is at fault in an accident. Comprehensive coverage protects against damages to the insured's vehicle caused by non-collision events such as theft, vandalism, or natural disasters. Collision coverage covers damages to the insured's vehicle resulting from a collision with another vehicle or object.

In contrast to these types, PIP is unique in its focus on covering medical costs, making it the most appropriate choice for addressing medical expenses directly related to the insured.