Which auto coverage responds regardless of fault?

You are correct that Accident Benefits coverage responds regardless of fault. This type of coverage is designed to provide financial support for medical expenses, rehabilitation, and other necessary benefits to individuals injured in an auto accident, irrespective of who caused the accident.

This provision is essential because it ensures that injured parties have access to immediate assistance for their medical needs without the necessity of establishing liability. It promotes the principle of providing care and support to those affected by accidents, facilitating quicker recovery and ensuring that financial barriers do not impede necessary medical treatment.

In contrast, other types of coverage, such as Liability Coverage, Collision Coverage, and Comprehensive Coverage, are contingent upon specific circumstances or liabilities. For instance, Liability Coverage only applies when the insured is deemed at fault for causing damage to another party, while Collision Coverage is applicable for damage to the insured's own vehicle resulting from a collision. Comprehensive Coverage addresses damages to the insured's vehicle due to non-collision events, but again, it depends on the nature of the incident and the insured's interests in terms of coverage.