Medical Payments pays medical costs, up to the limit, for you, your family and others in your car, regardless of fault. The limit applies to each person, so a family car accident can use the limit several times.

Example: Medical Payments of $5,000 per person. The at-fault named insured has $8,000 of bills, her son $3,000 and a friend riding with them $6,500. Payment: $5,000 + $3,000 + $5,000 = $13,000. Her fault does not reduce it.

Who is covered under a standard PAP: the named insured and family members while occupying a motor vehicle or as pedestrians struck by one, and other people while occupying the covered auto. A key exclusion: injury sustained while occupying a motorized vehicle with fewer than four wheels, such as a motorcycle the insured owns. A pedestrian injury is covered even though the insured was not in a car.