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Medical Payments Coverage

Summary: This section discusses Part B of the Personal Auto policy. The company agrees to pay reasonable expenses incurred for necessary medical and funeral services because of "bodily injury" caused by accident and sustained by an insured. This is what is known as medical payments coverage and it is an optional coverage. Part B of the personal auto is structured very much like Part A of the auto policy; as there is an Insuring Agreement, a definition of "insured", a set of exclusions, and clauses pertaining to the limit of liability, other insurance, and the liability on the part of the insured in order for payment to be made to a claimant. Many parts of Part B will be identical to coverages and exclusions listed in Part A; refer to that section for the in-depth discussion.