What does medical payments coverage under a PAP generally exclude?

Medical payments coverage under a Personal Auto Policy (PAP) is designed to cover medical expenses incurred by the insured and passengers in the vehicle following an accident, regardless of fault. However, there are specific circumstances under which this coverage does not apply.

When the vehicle is used as a home, such as when it is parked or being inhabited as living space, the typical medical payments coverage is not applicable. This exclusion exists because medical payments coverage is intended for situations arising from the use of the vehicle in transit, such as driving, riding, or being struck while in a vehicle. When the vehicle is not being used for its intended purpose of transportation, claims for medical expenses are outside the scope of standard vehicle coverage.

In contrast, injuries to passengers in an accident, pedestrians hit by the vehicle, and injuries to cyclists near the roadway are generally covered under the medical payments provision of the PAP, as these situations involve the vehicle actively participating in transportation and usage on the road.