Which insurance coverage typically includes medical expenses, income continuation, and funeral costs based on the plan?

Personal injury protection (PIP) is the correct answer because it is designed to cover medical expenses resulting from automobile accidents, regardless of who is at fault. This type of insurance also extends to income continuation, helping to replace lost wages if an individual is unable to work due to injuries sustained in an accident. Additionally, PIP often includes coverage for funeral costs in the unfortunate event that the insured person dies as a result of the accident.

Health insurance typically focuses on a wide range of medical expenses but does not usually cover income loss or funeral costs. Accidental death and dismemberment (AD&D) insurance specifically provides benefits in the case of death or serious injury due to an accident, but it does not encompass medical expenses or income replacement beyond the immediate context of the accident. Disability insurance is intended to provide income replacement if a person becomes unable to work due to a disability, but it does not cover medical costs directly or funeral expenses. Thus, personal injury protection uniquely encompasses all three aspects mentioned in the question.