What it does
Auto medical payments is not part of the basic coverage forms. CA 99 03 adds it: the insurer pays reasonable expenses incurred for necessary medical and funeral services to or for an insured who sustains bodily injury caused by an accident, for services rendered within three years from the date of the accident. No fault has to be established.
Who is an insured
- The named insured while occupying, or while a pedestrian struck by, any auto (when the named insured is an individual).
- Family members of an individual named insured in the same circumstances.
- Anyone else occupying a covered auto or a temporary substitute for a covered auto that is out of service.
Key exclusions
- Injury while occupying a vehicle located for use as a premises; injury to the named insured or family members in other owned or regularly available vehicles.
- Injury to employees arising out of employment (except domestic employees not entitled to workers compensation).
- Injury while working in an auto business, war and similar risks.
Quoting notes
Med pay is inexpensive and can reduce suits by passengers such as customers, clients or volunteers. Employees are excluded because workers compensation responds. In no-fault states, PIP endorsements govern instead and med pay may be coordinated.
