In which scenario will Evelyn's PAP medical payments coverage NOT provide protection?

The medical payments coverage in a Personal Auto Policy (PAP) is designed to cover medical expenses for bodily injuries sustained by the policyholder and their passengers, regardless of who is at fault in an accident. However, there are certain scenarios where this coverage may not apply.

In the case where Evelyn’s car collides with a pedestrian, this coverage does not typically extend to injuries sustained by the pedestrian. Medical payments coverage is meant for occupants of the insured vehicle rather than those injured who are not riding within it. Therefore, while Evelyn’s medical expenses could be covered if she were injured in the accident, the coverage would not apply to the pedestrian who was struck by her car.

This distinction is crucial in understanding how medical payments coverage operates within the confines of a Personal Auto Policy. It serves to protect the insured and their passengers but does not provide liability protection or medical coverage for third parties outside the vehicle, such as pedestrians.