Our insured is allergic to bee stings and was recently stung by a bee. He was driving himself to the doctor's office for treatment when he passed out. He crashed his car into a tree and injured himself. This brought up the question in our office as to whether his injuries would be covered by the medical payments part of his auto policy. Some of us think the med pay only applies to injuries caused by an auto and that the ultimate cause of the insured's injuries was the bee sting. What is your opinion?

Nebraska Subscriber

The personal auto policy's med pay coverage is for reasonable expenses incurred for necessary medical and funeral services because of bodily injury caused by an accident and sustained by an insured. The named insured is an insured while occupying a motor vehicle and he was injured due to an accident. His medical expenses from the accident should be covered unless there is some exclusion on the policy that applies.