Claims Adjuster Practice Exam

Question: 1 / 400

Medical payments coverage on an auto policy primarily benefits which of the following?

Only the driver

Insured and covered persons

Medical payments coverage in an auto insurance policy is designed to provide medical expense coverage for a broader range of individuals involved in an auto accident. Specifically, it benefits the insured named on the policy as well as any passengers who are occupying the insured vehicle at the time of the accident. This coverage is intended to cover medical bills resulting from injuries, regardless of who was at fault.

By including the insured and covered persons, this type of coverage ensures that not only the driver but also passengers and, in some cases, persons getting into or out of the vehicle are protected under the policy. This is beneficial in promoting safety and quick access to necessary medical treatment immediately following an automobile accident, alleviating potential financial burdens concerning medical costs.

In contrast, other options limit the scope of coverage to specific individuals, which does not align with the inclusive nature of medical payments coverage.

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Only passengers

Pedestrians

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