Our insured was out hunting with a friend and accidentally shot himself in the leg. The friend put him in the friend's car and was taking him to the hospital when the vehicle ran off the road. This, of course, delayed getting the insured to the hospital for treatment. Now, the insured has an attorney who is demanding the medical payments limit of $5,000 under the insured's auto med pay coverage. The lawyer alleges that the auto accident caused additional injury to the insured.

The auto med pay insuring agreement does apply to expenses for bodily injury caused by an accident, and our insured is an insured while occupying a motor vehicle. We don't see any exclusions that would apply, so would the med pay coverage be due in this instance?

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