Medical Payments Coverage Under a BAP

Q

Our insured was covered under an ISO commercial auto policy that included auto medical payments coverage with a limit of $5,000. A one-vehicle accident occurred in which our insured was killed. The insured's family submitted the bill from the funeral home to the insurer in the amount of $4,800. The invoice indicated that the insured had purchased a burial policy in the amount of $4,000; this left a balance due of $800.

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