Which of the following statements about PIP coverage is true?

Personal Injury Protection (PIP) coverage is classified as primary insurance, meaning it provides immediate benefits to the policyholder and their passengers regardless of who is at fault in an accident. This primary nature of PIP coverage ensures that medical expenses, lost wages, and other related costs are covered up to the limits of the policy without the need to pursue claims against another party's insurer first.

This characteristic is particularly important in systems like Florida's, where PIP is mandated, helping to facilitate timely medical treatment and support for individuals involved in motor vehicle accidents. By having PIP coverage as primary, it simplifies the process for insured drivers and passengers, enhancing their access to necessary care following an incident.

The other statements do not accurately represent the role of PIP coverage. While it may be marketed in contexts that involve supplementary and secondary forms of coverage, PIP itself fundamentally operates as the primary coverage for medical benefits following an accident.