Medical payments under a Personal Auto Policy cover which individuals?

Medical payments under a Personal Auto Policy provide coverage for the insured and the passengers in the insured vehicle at the time of an accident. This aspect of the policy is designed to cover medical expenses incurred due to injuries sustained in an accident, regardless of who is at fault.

When it comes to who is covered, the term "insured" typically refers to the policyholder and any family members residing with them. Passengers are also covered as long as they are occupying the insured vehicle. This coverage can help pay for medical expenses such as hospital bills, doctor visits, and any necessary medical treatment resulting from the accident.

It's important to note that while the coverage is generous in providing for the insured and their passengers, it does not extend to all drivers of the vehicle, scheduled passengers only, or pedestrians involved in an accident, which is why the other options do not accurately reflect the scope of medical payments coverage in a Personal Auto Policy. Understanding this coverage is essential for both policyholders and those looking to navigate their auto insurance options effectively.