How does medical payments coverage under a personal auto policy (PAP) differ from a homeowners policy?

Medical payments coverage under a personal auto policy (PAP) is designed to provide medical expenses for injuries sustained by the insured, their passengers, and resident family members, regardless of fault. This means that if someone is injured in the insured vehicle, those related to the insured or passengers can receive coverage for medical expenses.

On the other hand, a homeowners policy primarily offers medical payments coverage for guests or third parties who are injured on the home premises, rather than for resident family members directly related to the insured. As such, the coverage is focused more on liability for third parties rather than on those living within the household.

This distinction makes the correct response clear. It highlights that while PAPs extend benefits to both third parties and family members living in the insured's home, homeowners maintain coverage specifically for third parties, not for family members living at home. Thus, the coverage differences between the two types of policies underline the focus of the coverage as being tailored to the specific circumstances of auto incidents versus injuries occurring in a home environment.