Which type of insurance helps cover the cost of medical payments after an accident, regardless of fault?

Personal injury protection is specifically designed to cover medical expenses and, in some cases, lost wages for individuals involved in an accident, regardless of who is at fault. This coverage is part of auto insurance policies in many states and is particularly beneficial because it allows insured individuals to receive prompt medical care without having to wait for fault determination.

Collision coverage, on the other hand, provides compensation for vehicle damage resulting from a collision, but it does not address medical costs. Comprehensive coverage deals with non-collision-related incidents, such as theft or natural disasters, and also does not cover medical expenses. Liability coverage protects against claims from other parties for bodily injury or property damage that the insured is responsible for, but again, it does not pay for the insured's own medical bills. Therefore, personal injury protection is the only option that directly addresses medical payments post-accident, making it the correct choice for this question.