What is one function of Personal Injury Protection (P.I.P.) coverage?

Personal Injury Protection (P.I.P.) coverage serves the primary function of covering medical expenses for the insured and their passengers following an accident. This type of insurance is designed to address the immediate medical needs that arise from injuries sustained in an automobile incident, regardless of who is at fault. It typically covers a range of medical expenses, such as hospital bills, rehabilitation, and sometimes even lost wages due to the inability to work following the accident.

By providing this coverage, P.I.P. ensures that individuals involved in an accident receive necessary medical treatment without delay, ultimately supporting their recovery process. This is particularly crucial in situations where medical costs can escalate quickly. The focus on medical expenses reflects P.I.P.'s role in prioritizing health and recovery for all affected individuals in the incident.

In contrast, the other options involve different types of coverage or responsibilities related to automobile insurance. Claims against the insured relate to liability coverage, while damages to the insured vehicle fall under collision or comprehensive coverage. Rental car coverage typically pertains to options provided under certain auto policies but does not align with the core purpose of P.I.P.