What type of auto insurance covers medical expenses and lost wages for the insured and passengers in an accident?

Personal Injury Protection (PIP) is specifically designed to cover medical expenses and lost wages for the insured and their passengers involved in an accident, regardless of who is at fault. It provides essential financial support to help individuals recover from injuries sustained in a vehicular accident by covering not only medical bills but also other related costs such as rehabilitation and lost income due to the inability to work. This type of coverage is particularly beneficial because it ensures that individuals receive support promptly after an accident, facilitating quicker recovery without the burden of medical expenses.

Liability insurance primarily covers damages to other people's property and their medical expenses if the insured is at fault in an accident, but it does not cover the insured's own medical bills or lost wages. Collision coverage specifically addresses damage to the insured’s own vehicle resulting from a crash with another vehicle or object, but does not provide coverage for medical expenses. Comprehensive coverage protects against non-collision-related incidents, such as theft or natural disasters, but also does not extend to medical costs or wages. Thus, Personal Injury Protection is the ideal choice for covering medical expenses and lost income resulting from an accident.