Which coverage would NOT be included under medical payments in PAP Part B?

Medical payments coverage in a Personal Auto Policy (PAP) is designed to cover medical expenses resulting from an automobile accident for certain individuals. Under this coverage, the individuals protected typically include the insured while driving their own vehicle, family members who are occupying the insured vehicle, and others who may be injured while riding in the insured vehicle.

The reason that passengers injured in another vehicle would not be covered under this specific medical payments provision is that Medical Payments coverage is strictly limited to those involved directly with the insured's vehicle at the time of the accident. It does not extend to individuals in other vehicles or those not directly associated with the insured's vehicle. As such, those injured in a different vehicle do not qualify for medical payments under the insured's policy, making this option correct as it falls outside the scope of Medical Payments coverage.

In contrast, the other choices represent scenarios that would fall under the coverage provisions: the insured in their own vehicle and their family members in the vehicle would be directly covered, and individuals injured in an accident involving the insured's vehicle would be similarly covered.