Question

If Policyholder J has no added endorsements, under which of the following scenarios will Policyholder J's injuries be covered by her Personal Auto Policy under Medical Payments Coverage?

Answer 1

Answer:

J was driving her own car from the Post Office after retrieving her employer's mail

Explanation:

             A personal auto policy provides insurance coverage for the injury or damage to others, which is in liability insurance form. It also provides coverage for injuries to the insured.

            A personal auto policy is mainly designed to cover the damages for the family's or individual's personal use of auto.

              In the context, policyholder J will be covered under the personal auto policy in the scenario where J after receiving mail from her employer was coming back in her private car from post office. This is because the business use of any private passenger cars is NOT excluded under Medical Payments Coverage.