If the insured is injured while driving his own vehicle, which coverage pays for medical expenses?

• A. Medical Payments coverage
• B. Liability coverage
• C. Uninsured Motorist coverage
• D. Collision coverage

Answer: (A)

Medical Payments coverage is designed to cover medical expenses for you and your passengers after a car crash, regardless of who is at fault. When the insured is injured while driving his own vehicle, this first‑party medical expense protection pays the medical bills up to the policy limit, making it the direct source for those costs.

This differs from liability coverage, which pays for injuries to others when you are at fault; uninsured motorist coverage, which covers injuries caused by drivers without insurance or with insufficient coverage; and collision coverage, which pays to repair or replace your own vehicle after a collision. So the medical bills stemming from the accident for you are most directly covered by Medical Payments.