Which of the following statements about Medical Payment coverage under a Personal Auto Policy is FALSE?

Medical Payment coverage under a Personal Auto Policy is designed to provide benefits for medical expenses incurred by the insured and certain other persons regardless of who is at fault in an accident. This coverage is particularly useful as it addresses expenses directly associated with medical treatments needed due to an automobile accident without delving into the complexities of fault allocation.

Option D is indeed the correct answer because Medical Payment coverage specifically excludes injuries resulting from intentional acts. This exclusion is fundamental because insurance is generally intended to cover unforeseen and accidental incidents rather than those that are deliberate or meant to cause harm. Consequently, if injuries arise from actions that were intentionally harmful (for example, if a driver purposely crashed their vehicle into another), those would not be covered under Medical Payment coverage.

In contrast, the other statements accurately reflect aspects of Medical Payment coverage. It does cover medical expenses regardless of fault, affirming its role in providing prompt medical care access. Additionally, it includes coverage for family members injured while riding in another vehicle, which is important for extending protection beyond the insured's own vehicle. Lastly, while it's common to discuss hit-and-run specifics in different contexts, the statement about it not being available for injuries sustained in a hit-and-run accident is misleading, as Medical Payments can cover situations involving hit-and