What is personal injury protection primarily designed to cover?

Personal Injury Protection (PIP) is primarily designed to cover medical expenses resulting from an accident. This type of coverage is a component of automobile insurance that provides benefits to the insured and passengers for medical expenses incurred due to injuries sustained in a car accident, regardless of who was at fault. PIP can also cover other related expenses, such as rehabilitation costs and lost wages, ensuring that individuals receive the necessary financial support to recover from their injuries without waiting for the determination of fault.

While other options pertain to various aspects of insurance coverage, they do not align with the primary purpose of PIP. For instance, damages to a vehicle in a collision are typically covered under collision insurance, damage to personal property in the car is generally addressed through comprehensive or property coverage options, and liability claims against the insured focus on protection against legal claims for harm caused to others. Thus, the focus of PIP is specifically on medical-related expenses, making it unique and essential for providing immediate care and support following an accident.