What type of coverage is typically provided by personal injury protection in auto insurance?

Personal injury protection (PIP) coverage is designed to cover medical expenses and, in some cases, lost wages for the insured and their passengers after an auto accident, regardless of who is at fault. This type of coverage reflects a no-fault approach to auto insurance, where medical costs are paid directly by the insured's own insurance provider rather than pursuing a claim against the other party.

PIP typically encompasses a range of medical costs resulting from the injuries sustained in an accident, which may include hospital bills, surgeries, rehabilitation, and even out-of-pocket expenses like transportation for medical appointments. This is beneficial for ensuring that individuals receive timely medical care without the delays that can occur while determining fault in an accident.

Other options involve different aspects of auto insurance: vehicle damage is covered under collision or comprehensive coverage; damage caused by uninsured motorists is addressed through uninsured motorist coverage; and property damage liability pertains to the damage caused to others' property in an accident for which the insured is found at fault. Each of these serves distinct purposes, while personal injury protection specifically focuses on the medical and related expenses stemming from injuries.