Which coverage is typically included under personal auto insurance?

Personal auto insurance primarily covers vehicles used for personal, rather than business, purposes. One of the key coverages that is typically included under personal auto insurance is Personal Injury Protection (PIP). PIP is designed to cover medical expenses and, in some cases, lost wages for the policyholder and passengers injured in an automobile accident, regardless of who is at fault. This coverage is especially significant as it addresses medical needs immediately following an accident and provides financial relief without the need for legal disputes to establish fault.

In contrast, the other options listed address different types of coverage that are not relevant to personal auto insurance. Commercial liability insurance is specific to businesses and covers claims arising from business operations. Employer’s liability insurance pertains to workplace injuries and is designed for employers to protect against claims made by employees. Professional indemnity insurance is relevant for professionals providing advice or services and protects against claims of negligence or malpractice. Each of these forms of insurance serves distinct purposes within their specific contexts, underscoring why PIP is the correct answer related specifically to personal auto insurance.