What does personal injury protection (PIP) coverage provide in a garage policy?

Personal Injury Protection (PIP) coverage is designed to provide medical expenses and some additional benefits for individuals who are injured in an automobile accident, regardless of who is at fault. In the context of a garage policy, which is typically used by businesses that provide auto services like repair shops or auto dealerships, PIP coverage is essential for covering the medical expenses of injured parties involved in accidents on the premises or during activities related to business operations.

PIP not only covers medical bills but may also provide compensation for lost wages, rehabilitation costs, and other related expenses, making it a comprehensive safety net for those affected by an auto-related injury. This aspect highlights its role in ensuring that medical costs are addressed swiftly and without the burden of litigation over fault, which can be crucial in business environments where accidents might occur frequently.

In contrast, the other options focus on different types of coverage that don't align with the core purpose of PIP. For instance, bodily injury coverage for employees generally falls under workers' compensation rather than PIP. Damage to rental vehicles is typically covered under collision or comprehensive coverage rather than PIP, and property damage deals with the damage to other people's property rather than the medical needs stemming from personal injuries. Thus, PIP's specific focus on