What does personal injury protection (PIP) coverage provide?

Personal Injury Protection (PIP) coverage is designed to cover the medical expenses and lost wages that an insured person incurs as a result of an auto accident, regardless of who is at fault. This type of coverage is particularly beneficial because it ensures that the insured receives prompt medical care without needing to wait for liability determinations to be made or for other insurance processes to unfold. PIP typically covers a range of expenses, including medical bills, rehabilitation costs, and a portion of lost income due to the inability to work following the accident. This immediate support is crucial for those who may face financial difficulties due to their injuries.

Other options do not accurately represent the purpose of PIP. Coverage for car repairs relates to collision or comprehensive insurance, property damage pertains to liability coverage for damages to others' property, and legal fees are typically covered under different forms of liability insurance, not PIP.