What does personal injury protection (PIP) cover?

Personal Injury Protection (PIP) is a type of auto insurance coverage designed to provide benefits for medical expenses, lost income, and other related costs that occur as a result of motor vehicle accidents, regardless of who is at fault. The comprehensive nature of PIP allows it to cover medical expenses for injuries sustained by the insured driver, passengers in the insured vehicle, and even pedestrians in some cases.

The correctness of the chosen answer is due to its encapsulation of both medical expenses and lost wages for all insured motorists involved in an accident, providing financial relief without requiring a determination of fault. This approach aims to ease the immediate financial burden following an accident, ensuring that all parties have access to necessary medical care and can continue to manage their financial obligations if they are unable to work due to their injuries.

In contrast, the other options are narrower in scope and do not accurately reflect the comprehensive coverage of PIP. Limiting the benefits to only the driver at fault ignores the critical aspect of PIP, which is to assist all insured individuals, regardless of fault. Furthermore, confining the coverage to medical expenses only or situations where the insured is not at fault undermines the intended purpose of PIP, which is to provide broad protection quickly after an accident