Which of the following coverages is commonly included in an auto insurance policy?

Personal injury protection is a vital component of many auto insurance policies, designed to cover medical expenses and, in some cases, lost wages for you and your passengers regardless of who is at fault in an accident. It provides financial protection against unforeseen medical costs that may arise from an automotive incident, ensuring that immediate care can be accessed without the burden of high out-of-pocket expenses.

The inclusion of personal injury protection in auto policies underscores the emphasis on safety and well-being for drivers and their passengers, making it a fundamental coverage option in many states. This type of coverage not only helps with medical bills but can also cover rehabilitative services and funeral costs, which reflects its comprehensive nature in addressing the various impacts of vehicular accidents.

In contrast, the other options typically do not form standard components of an auto insurance policy. Lifetime warranties on repairs, for instance, are not standard insurance coverages but rather agreements with repair shops. Comprehensive damage coverage may cover damage to vehicles not from a collision, but specifying "damage only" could imply limited scope. Equipment breakdown coverage is more relevant to specialty insurance policies or home insurance rather than auto insurance. Thus, personal injury protection stands out as a widely recognized, essential coverage in the realm of auto insurance.