What does "personal injury protection" (PIP) cover?

Personal injury protection (PIP) provides coverage for medical expenses and, in some cases, lost wages for both the driver and passengers following an automobile accident. This type of coverage is designed to help pay for medical bills that may arise from injuries sustained in an accident, regardless of who is at fault. Additionally, PIP can also cover lost wages if the injured parties are unable to work due to their injuries.

This comprehensive coverage is particularly beneficial as it ensures that individuals involved in an accident receive timely medical care and financial support for lost income, helping them focus on recovery rather than the financial burden of medical bills and lost work income. PIP is a crucial component of auto insurance in many jurisdictions, reflecting the priority of addressing personal injuries promptly and efficiently.

The other options focus on more limited aspects of coverage, either for specific individuals or particular types of expenses, which do not fully encapsulate the broader benefits that PIP offers.