Summary: This treatment discusses part B of the personal auto policy (PAP). In Part B of PAP, the company agrees to “pay reasonable expenses incurred for necessary medical and funeral services because of bodily injury caused by accident and sustained by an insured.” This is medical payments coverage and it is an optional coverage. Part B of the PAP is structured very much like part A of the auto policy; that is, there is an insuring agreement, a definition of “insured”, a set of exclusions, and clauses pertaining to limit of liability and other insurance. A major difference between part A and part B, though, is that part B has no requirement of legal liability of the insured in order for payment to be made to a claimant.