Alabama Insurance Adjuster Practice Exam

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In a garage policy, what type of coverage is PIP?

  1. Health insurance coverage

  2. Property damage liability coverage

  3. Personal injury protection

  4. Commercial auto liability coverage

The correct answer is: Personal injury protection

Personal Injury Protection (PIP) is a type of automobile insurance coverage that provides benefits to the insured for medical expenses, lost wages, and other related costs that may arise following an accident, regardless of who is at fault. In a garage policy, which is designed primarily for businesses involved in selling, servicing, or storing vehicles, PIP coverage applies to the employees and customers who may be injured in an accident involving the insured vehicles. This makes it vital for ensuring that individuals involved have access to necessary medical care and compensation for lost income following an accident. Thus, PIP is correctly identified as Personal Injury Protection, emphasizing its role in covering individuals' injury-related expenses in the context of motor vehicle incidents.

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