Coverage Under Personal Auto Policy for Neighbor's Injuries

We are writing a personal auto policy that affords medical payments coverage for "necessary medical and funeral services because of bodily injury sustained by an insured person and caused by a car accident".

Our question involves the following scenario: The insured's neighbor offered to change the oil in the insured vehicle. The neighbor jacked the vehicle up and was twisting/pulling the oil filter when the jack slipped and vehicle fell on his leg, foot, and ankle. Claimant sustained an injury. Can the policy respond with med pay coverage?

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