What is NOT included in medical payments coverage within a Personal Auto policy?

Medical payments coverage within a Personal Auto policy is designed to cover medical expenses resulting from an accident, regardless of fault. This coverage typically includes medical bills for the insured, passengers in the vehicle, and other individuals involved, such as pedestrians who may be injured.

Intentional injuries, however, are not covered under this type of policy. The principle behind this exclusion is that insurance is intended to provide protection against unforeseen accidents and mishaps, rather than to cover the consequences of deliberate actions. Therefore, if someone intentionally causes harm, that would be outside the scope of what medical payments coverage is meant to address. The focus of this coverage is on unintentional injuries occurring during an automobile accident.

In contrast, accidents involving a rental car, injuries sustained by pedestrians, and injuries occurring in insured vehicles are situations that fall within the purview of medical payments coverage, as they generally involve unintentional harm related to a vehicle accident.