In the context of the PAP, what provides coverage for injuries suffered by pedestrians?

Bodily Injury Liability provides coverage for injuries sustained by pedestrians in the event of an accident involving a vehicle that is covered under a Personal Auto Policy (PAP). This type of coverage is designed to protect the policyholder if they are found legally responsible for causing injury to another person, including pedestrians.

If a driver hits a pedestrian, Bodily Injury Liability ensures that the injured party is compensated for their medical expenses, lost wages, and other damages. This coverage is crucial because it not only protects the pedestrian, but it also shields the policyholder from financial repercussions resulting from claims made against them. It is a fundamental aspect of the PAP, highlighting the importance of responsible driving and the need for adequate insurance to cover potential liability in case of accidents.

The other types of coverage mentioned address different scenarios. Personal Injury Protection is designed to cover medical expenses and lost wages for the policyholder and their passengers, but it does not provide benefits directly to injured pedestrians. Uninsured Motorist Coverage protects against damages caused by a driver who lacks insurance, while Comprehensive Coverage is intended for non-collision-related incidents, such as theft or natural disasters. Each of these plays a different role in the insurance landscape, but it is Bodily Injury Liability that specifically addresses the injuries