When Mrs. Quayle rear-ends a school bus while on her way to a business meeting, will the medical payments coverage on her personal auto policy cover her injuries?

Medical payments coverage is designed primarily to cover medical expenses incurred by the insured and passengers in the insured vehicle, regardless of who is at fault for the accident. However, in this scenario where Mrs. Quayle was rear-ending a school bus on her way to a business meeting, there are other factors to consider regarding coverage.

When an individual is involved in an accident while performing work-related duties, they may be eligible for workers’ compensation benefits instead of relying on personal auto insurance. Since Mrs. Quayle was on her way to a business meeting, which is typically considered part of her job duties, her injuries would likely fall under workers’ compensation. This form of insurance is specifically designed to cover job-related injuries, providing medical benefits regardless of the employee's negligence.

In contrast, personal auto insurance typically would not cover injuries sustained while on the job when workers' compensation benefits are available. Hence, under these circumstances, Mrs. Quayle's injuries would not be covered by the medical payments coverage in her personal auto policy but instead would be addressed by her workers’ compensation insurance.