Arizona Adjuster Practice Exam

Does the medical payments coverage on a personal auto policy cover injuries while using the car for work purposes?

1. Yes, fully

2. No, it does not

3. Only partially

4. Yes, but with exceptions

The correct answer is: No, it does not

Medical payments coverage on a personal auto policy is specifically designed to cover medical expenses that arise from injuries sustained by the insured and passengers while using the vehicle, regardless of fault. However, this coverage typically does not extend to injuries that occur while the vehicle is being used for business or work purposes. The rationale behind this exclusion is that personal auto policies are intended to cover personal use of the vehicle, while business use is usually reserved for commercial auto policies, which provide broader protections for liabilities and incidents related to business activities. For example, if an individual were to get into an accident while using their personal vehicle to conduct work-related tasks, the medical payments coverage would not apply, as the use of the vehicle for work is outside the scope of personal use intended under the policy. In summary, medical payments coverage does not cover injuries that occur while the car is used for work purposes, which makes the answer that asserts this exclusion appropriate.