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Personal injury protection (PIP) coverage is designed primarily to cover medical expenses that arise from motor vehicle accidents, regardless of who is at fault. This type of insurance is particularly important because it helps ensure that medical bills for treatment such as hospital stays, surgeries, rehabilitation, and necessary medical services are paid promptly. PIP may also include additional benefits like coverage for funeral expenses, which directly relate to injuries sustained in an accident.

While other options touch on important aspects of insurance, they do not encapsulate the primary purpose of PIP. For instance, while PIP can sometimes include benefits for lost wages, its core function remains centered on medical expenses. Similarly, property damage is typically covered under separate policies, such as collision or comprehensive coverage, and legal assistance is not a primary feature of PIP coverage. Thus, the selection reflecting medical expenses best aligns with the main function of personal injury protection.