Coverage B in a Personal Auto Policy refers to which type of coverage?

Coverage B in a Personal Auto Policy specifically refers to Medical Payments Coverage. This type of coverage is designed to pay for medical expenses incurred by the insured and passengers in the event of an automobile accident, regardless of who is at fault. It typically covers a variety of medical expenses, including hospital bills, surgery, and other necessary medical treatment related to the accident.

This differentiation is important because it highlights the fact that Medical Payments Coverage is focused on providing immediate financial relief for medical costs, which can arise quickly after an accident, while other types of coverage within an auto policy serve different purposes, such as property damage or physical damage to the vehicle itself. Understanding the distinct functions of each coverage type is crucial when assessing an individual’s insurance needs and the overall adequacy of their policy.