Rhode Island Insurance Adjuster Exam 2025 – Complete Study Guide

Question: 1 / 400

What is personal injury protection (PIP) coverage?

Coverage for vehicle repair costs

Benefits for medical expenses and lost wages from an accident

Personal Injury Protection (PIP) coverage is designed to provide financial benefits for medical expenses and lost wages that result from an automobile accident, regardless of who is at fault. This means that if a policyholder is injured in a car accident, PIP will help cover their medical bills and also reimburse lost income due to the inability to work as a result of the injuries sustained. PIP is particularly valuable because it ensures that medical treatment can be accessed without the need to await the resolution of liability disputes, fostering a more immediate response to healthcare needs.

The focus of PIP is fundamentally on the personal injuries sustained by individuals involved in the accident, differentiating it from other types of auto insurance like collision (which deals with vehicle repair) or liability coverage (which addresses third-party damages).

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Insurance for third-party damages

Liability coverage for bodily injury

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