Tony has a PAP which provides medical payments coverage.Under which of the following circumstances would the injured person be eligible for benefits under Tony's policy?
I.A friend in the car is injured while Tony is driving a covered auto.
II.A passenger on a motorcycle driven by Tony is injured when Tony hit another vehicle.

Question

Quizplus · Accepted Answer

Medical payments coverage under a PAP provides benefits to the injured person regardless of who is at fault for the accident. In scenario I, the injured person is a passenger in a covered auto (Tony's car) which qualifies for benefits under the policy. In scenario II, the injured person is a passenger on a motorcycle, which is not considered a covered auto under Tony's PAP, and therefore, is not eligible for benefits.

Tony Has a PAP Which Provides Medical Payments Coverage