Which of the following statements regarding medical payments coverage in a personal automobile policy (PAP) is true?
A) Medical payments coverage insures a covered individual for medical expenses incurred within 5 years of an automobile accident in an amount not to exceed the policy limit.
B) A person must be occupying an automobile when the accidental injury occurs to be eligible for benefits.
C) Medical payments coverage provides for reimbursement even if other sources of recovery, such as health insurance or accident insurance, also makes payments.
D) In all states, medical payments are subject to subrogation, which means the insurer is entitled to recover any duplicate payments made to the insured.
E) Injuries sustained on a bicycle or motorcycle in a traffic accident are covered.

Question

Quizplus · Accepted Answer

Medical payments coverage under a personal automobile policy (PAP) is designed to pay for medical expenses regardless of fault and does so even if the insured receives payment from other sources like health insurance. This coverage is not typically subject to coordination of benefits, which allows the insured to potentially receive payments from multiple sources up to the limit of expenses incurred.

Which of the Following Statements Regarding Medical Payments Coverage in a Personal