Under medical payments, your policy will pay "…reasonable expenses incurred … by an insured person and caused by a car accident." Insured under this part includes, "Any … person while occupying your insured car while the car is being used … with your permission." Car accident is defined as "…an accident involving a motor vehicle, which is either unexpected or unintended, involving bodily injury or property damage…" Assuming the neighbor did not intend to cause injury to himself, the bodily injury which resulted was both unexpected and unintended. A car accident occurred which resulted in bodily injury. Occupying is defined as: "… in, on, entering, or alighting from." The neighbor was doing none of these; he was under the car when it hit him so there is no coverage under medical payments for his injuries.

In further reviewing, your policy promises to pay "damages for which any insured person is legally liable because of bodily injury and/or property damage caused by a car accident arising out of the ownership, maintenance or use of a car…" As discussed above, the definition of a "car accident" has been met. We cannot address the question of whether your insured is legally liable for the bodily injury that occurred. However, if local law would place liability on your insured, the policy has no exclusions to coverage for this claim.