PIP Medical benefits cover which categories of expenses?

• A. Veterinary expenses
• B. Medical, surgical, X-ray, and dental expenses
• C. Cosmetic procedures only
• D. Non-medical expenses

Answer: (B)

PIP medical benefits cover medical expenses arising from injuries in an auto accident, including medical treatment, surgical procedures, X-ray imaging, and dental care when these services are reasonable and necessary to treat the injury. This set of expenses is specifically medical in nature. Veterinary expenses aren’t included because they pertain to animals, not people. Cosmetic procedures are generally not covered unless they are medically necessary due to the injury, and non-medical expenses fall outside medical benefits.