Med Pay & PIP Basics
This part of the Personal Auto Policy pays medical expenses for injuries to the insured and passengers in the vehicle.
What is Medical Payments Coverage (Med Pay)?
Med Pay or PIP coverage is excluded when a vehicle is used for this type of service like Uber or Lyft.
What is public or livery conveyance (rideshare use)?
Coverage is excluded if you are occupying a vehicle you own that is not listed as this on the policy.
What is “your covered auto”?
Injuries covered by this workplace benefit system are excluded from Med Pay coverage.
What is workers’ compensation?
The maximum amount the insurer will pay for medical expenses is determined by this policy section.
What is the Limit of Liability provision?
This coverage is similar to Med Pay but may also include lost wages and other benefits depending on the state.
What is Personal Injury Protection (PIP)?
Coverage is excluded when the insured is occupying a vehicle with fewer than this number of wheels.
What is four wheels?
Coverage may also be excluded if the vehicle is regularly available for use by this group but not insured on the policy.
Who are family members?
Injuries caused by events such as war or insurrection are excluded under this category of losses
What are war-related losses?
This rule prevents combining multiple policy limits together to increase the payout.
What is limit stacking (which is not allowed)?
Med Pay coverage limits shown on the Declarations page apply on this basis.
What is a per-person basis?
Coverage does not apply if the insured is injured while occupying a vehicle used as this type of living space.
What is a residence or residence premises?
Coverage may not apply if the insured had no reasonable belief of this when using the vehicle.
What is entitlement or permission to use the vehicle?
Injuries from this type of contamination are specifically excluded from Med Pay and PIP.
What is nuclear radiation or radioactive contamination?
This policy rule determines how coverage applies if more than one policy could pay for the same injury.
What is the Other Insurance provision?
This type of state system requires each driver’s own insurance to pay for injuries regardless of fault.
What is a no-fault state?
Injuries while practicing or participating in organized racing at this type of facility are excluded.
What is a racing facility or organized racing event?
This endorsement can extend coverage to vehicles furnished or available for regular use.
What is the Extended Non-Owned Coverage endorsement?
Injuries occurring while using a vehicle for this activity may be excluded except for certain personal vehicles.
What is business use of a vehicle?
When the insured is driving a non-owned auto, their policy typically applies as this type of coverage.
What is excess coverage?
In these states, the driver who caused the accident is legally responsible for injuries and damages.
What is a tort state?
Injuries occurring while using a vehicle in this program like Turo may be excluded from coverage.
What is a vehicle sharing program?
This endorsement may add Medical Payments coverage to recreational vehicles.
What is the Miscellaneous Type Vehicle Endorsement?
Injuries involving vehicles designed for this activity are excluded from coverage.
What is flight or aviation?
When two policies apply equally, payment is divided based on each policy’s share of the total limits using this method.
What is a pro-rata basis?