Which auto insurance coverage pays for medical treatment for the driver and passengers after an accident?

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Personal Injury Protection is designed to provide no‑fault coverage for medical treatment after a crash, paying for you and your passengers’ medical expenses regardless of who caused the accident. It often goes beyond medical bills to include related costs like rehabilitation and sometimes lost wages, making it the most comprehensive option for getting medical care covered after a collision. While Medical Payments Coverage also pays medical expenses, it tends to be more limited in scope, whereas PIP captures a broader range of medical and related benefits. The other coverages serve different purposes—collision pays for vehicle damage, and uninsured/underinsured covers injuries when the other driver lacks adequate insurance—so they don’t directly address paying for medical treatment in the way PIP does.