In a personal auto policy, which coverage is responsible for paying medical expenses?

Personal Injury Protection (PIP) is specifically designed to cover medical expenses resulting from injuries sustained in a car accident, regardless of who is at fault. PIP provides a range of benefits, including payment for medical bills, rehabilitation costs, and in some cases, lost wages, making it a crucial component of a personal auto policy in jurisdictions where it is mandated.

Liability coverage, on the other hand, primarily protects the policyholder from claims made by others for bodily injury or property damage that they cause in an accident, and it does not cover the insured's own medical expenses. Collision coverage relates to damages to the policyholder's own vehicle resulting from an accident with another car or object, while comprehensive coverage addresses damages from non-collision related events like theft or vandalism. Therefore, for medical expenses, PIP is the appropriate coverage within a personal auto policy.