What Does Your Part-B Cover?

PART-B, your medical payment coverage of your personal auto insurance coverage focus on four questions:

What's covered: Reasonable and necessary medical expenses of the policy owner's vehicle's occupants who are accidentally injured. Benefits are paid regardless of fault, yet benefits only extends within three years of the date of an accident.

Benefits are applied separately to each person injured in an accident.

What exclusions apply: It is almost similar to Part-A with a few minor exceptions, where if the liability coverage does not apply to an accident, medical payments coverage most likely will not apply either.

Who are the insured: Medical payments coverage provides coverage to the occupants of a covered vehicle who are accidentally injured regardless of fault. Medical payments coverage even applies when a named insured or family member is not occupying a covered auto, as long as he is either occupying a motor vehicle designed for use on public roads or a trailer, or is a pedestrian struck by one of those vehicles (for example, young couple riding in a rented limousine are covered under their parent's personal auto insurance.)

What happens when other insurance covers a claim: It is similar to the liability coverage applies when the coverage of the other insured's policy exhausts it's limits.