How does the Auto medical payment coverage endorsement modify the auto policy?

• A. It adds medical payment coverage to a commercial auto policy
• B. It reduces liability limits
• C. It excludes medical payments for commercial policies
• D. It changes the insured's deductible

Answer: (A)

The main idea here is that this endorsement expands the policy by adding medical payments coverage. It makes medical expenses for the insured and passengers due to an auto accident eligible for payment under the policy, up to the specified limit, and it pays regardless of fault. This is separate from liability coverage, which deals with damages you may owe to others. The endorsement is not about reducing liability limits, excluding medical payments, or changing the deductible—medical payments typically have their own limit and often no deductible, and the endorsement simply adds this coverage to the policy.