What does personal injury protection (PIP) coverage in a Personal Auto Policy (PAP) cover?

Personal Injury Protection (PIP) coverage in a Personal Auto Policy (PAP) is designed to cover medical expenses and lost wages for the policyholder and their passengers in the event of an automobile accident, regardless of who is at fault. This type of coverage is particularly beneficial as it helps to ensure that individuals can receive necessary medical treatment and can sustain their income if they are unable to work due to injuries sustained in the accident.

PIP may also cover other related costs, such as rehabilitation expenses, funeral costs, and sometimes even services like domestic help if the injured person is incapacitated. By providing these essential benefits, PIP helps to alleviate the financial burden that can arise from medical expenses and lost income after an accident, promoting quicker recovery and stability for those affected.

The other options do not accurately represent the core purpose of PIP coverage. Vehicle repair costs are covered under collision or comprehensive coverage, liability for property damage falls under liability insurance, and coverage for uninsured motorists pertains to a separate form of protection meant to cover damages caused by a driver who doesn't have insurance.