What type of coverage does "personal injury protection" (PIP) offer?

Personal Injury Protection (PIP) is a type of auto insurance coverage that specifically addresses medical expenses incurred as a result of injuries sustained in an automobile accident. It is designed to cover medical bills for you and your passengers, regardless of who was at fault in the accident. This can include doctor visits, hospital stays, rehabilitation costs, and sometimes even associated costs like some forms of childcare or transportation to medical appointments, depending on the policy's specifics.

While options related to property damage, lost wages, and vehicle theft are important components of auto insurance policies and may be covered under other types of insurance, they do not fall under the umbrella of Personal Injury Protection. PIP focuses primarily on the medical aspect, making it essential for providing immediate financial assistance for healthcare needs following an accident.