What is a characteristic feature of personal injury protection insurance?

Personal injury protection (PIP) insurance is designed to cover medical expenses resulting from an automobile accident, regardless of who is at fault. This characteristic feature is critical as it ensures that individuals receive medical care without the stress of determining fault, thereby facilitating quicker access to necessary treatments for injuries sustained in a crash. PIP may also cover other related costs, such as lost wages and rehabilitation, further emphasizing its role in protecting the insured's well-being after an accident.

Options that suggest limitations on availability or requirements, like being only available in certain states or being mandatory for all drivers, do exist in the context of insurance but do not define personal injury protection specifically. Similarly, while vehicle damage coverage is important in some auto insurance policies, it is not a function of PIP insurance, which focuses solely on personal injury and associated costs.