Who is covered under Part B (MedPay) of a personal auto policy?

Part B, or Medical Payments (MedPay), of a personal auto policy provides coverage for medical expenses resulting from an accident, regardless of who was at fault. This coverage extends to the named insured, family members who live in the same household, and any occupants of the insured vehicle. This comprehensive inclusion is significant because it ensures that not only the insured driver but also their family and other passengers receive necessary medical care without having to establish fault for the accident.

The intent of MedPay is to facilitate prompt medical attention for those injured during an auto accident, supporting peace of mind for both the policyholder and passengers. Since MedPay is designed to address immediate medical expenses, it stands apart from other types of coverage, such as liability or collision, which may require proving fault or might not provide coverage for all occupants. This inclusive nature of MedPay is what makes this answer accurate and reflects the protective aspect of auto insurance policies.