PAP Coverage Question over a Trip and Fall

September 9, 2016

Our insured was getting off a bus. He stepped off the platform the bus driver provided the passengers and then tripped over a telephone pole lying on the ground as a parking lot divider, falling onto his car that was parked there. He broke his arm. The insurer denied coverage under both the New York no-fault policy and the personal auto med pay section. Is the insurer correct to deny coverage?

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