Coverage for medical payments under a Personal Auto Policy applies to expenses following a covered accident that are incurred and services rendered within what time period?

• A. 1 year
• B. 3 years
• C. 5 years
• D. 7 years

Answer: (B)

Medical payments coverage in a Personal Auto Policy is a first‑party benefit that pays for reasonable medical and funeral expenses for you and your passengers after a covered accident, regardless of fault. A key detail is the time frame in which those expenses must be incurred and services rendered to be eligible. The standard period is three years from the date of the accident, so expenses and services must occur within that window to be covered. For example, medical costs incurred within three years of the accident qualify, while costs incurred after that window do not. This three-year limit helps ensure timely medical claims while keeping the coverage focused on near-term injuries.