Texas Property and Casualty License Practice Exam

What are medical payments in a personal auto policy designed to cover?

1. Occupant injuries while using public transport

2. Injuries regardless of fault for the insured or pedestrian

3. Damage to the insured's vehicle

4. Legal expenses related to traffic violations

The correct answer is: Injuries regardless of fault for the insured or pedestrian

Medical payments in a personal auto policy are specifically designed to cover injuries sustained by individuals involved in an accident while either occupying the insured vehicle or as pedestrians, regardless of who was at fault for the incident. This means that if a driver, passenger, or even a pedestrian is injured, medical payments coverage can help pay for their medical expenses, ensuring that necessary medical treatments are covered without the need to establish fault first. This coverage provides peace of mind to policyholders, knowing that medical expenses arising from accidents will be addressed promptly. It emphasizes the importance of caring for injured parties immediately and helps mitigate any potential disputes regarding liability. The other choices do not align with the purpose of medical payments. For instance, covering occupant injuries while using public transport is outside the realm of a personal auto policy, which focuses on private vehicle usage. Damage to the insured's vehicle pertains to collision or comprehensive coverage, not medical payments. Lastly, legal expenses related to traffic violations are not associated with medical payments; they fall under separate legal liability or legal expense coverage.