Which coverage is a supporting coverage normally available to noncommercial insureds where passenger bodily injury liability is written, providing for medical expenses?

Which coverage is a supporting coverage normally available to noncommercial insureds where passenger bodily injury liability is written, providing for medical expenses?

• A. Medical payments
• B. Collision coverage
• C. Physical damage
• D. Uninsured motorist

Answer: (A)

Medical payments coverage in auto policies is a supplemental protection that pays the medical expenses of the occupants of the insured vehicle after a crash, up to the policy limit, and importantly, it does not depend on who was at fault. This is usually available for noncommercial personal auto policies and is designed to get medical bills paid quickly for the people riding in the car, including the insured and passengers. This makes it the best fit for providing for medical expenses, as the other coverages serve different purposes: collision and physical damage cover damage to the insured vehicle itself, and uninsured motorist covers injuries when the other driver is uninsured or underinsured. Medical payments fills the specific role of covering medical costs incurred by occupants, regardless of fault.

Medical payments coverage in auto policies is a supplemental protection that pays the medical expenses of the occupants of the insured vehicle after a crash, up to the policy limit, and importantly, it does not depend on who was at fault. This is usually available for noncommercial personal auto policies and is designed to get medical bills paid quickly for the people riding in the car, including the insured and passengers.

This makes it the best fit for providing for medical expenses, as the other coverages serve different purposes: collision and physical damage cover damage to the insured vehicle itself, and uninsured motorist covers injuries when the other driver is uninsured or underinsured. Medical payments fills the specific role of covering medical costs incurred by occupants, regardless of fault.