Under PAP Part B, which parties are eligible for medical payments coverage?

Medical payments coverage under Part B of the Personal Auto Policy (PAP) provides financial support for medical expenses incurred due to injuries sustained in an automobile accident. This coverage is designed to assist in paying for necessary medical treatment without regard to fault in the accident.

The correct response identifies the eligibility of the insured, their family members, and any passengers in the insured vehicle. This ensures a broad range of individuals affected by an auto accident can receive aid for medical expenses. The intent is to provide a safety net for not only the policyholder but also for close family members who may be in the vehicle and other individuals who might be injured while occupying the insured's car. This comprehensive approach is why option B is the accurate choice.

Other options reflect more limited interpretations of who can benefit from this coverage. Option A restricts coverage solely to the insured driver, which does not provide support for family members or passengers who may also be injured. Option C suggests that family members are only covered when they are in any vehicle, neglecting the inclusion of passengers who are in the insured's vehicle at the time of the accident. Lastly, option D incorrectly proposes that any person injured in a crash, regardless of their relationship to the insured, is covered; however, the policy