If an insured is injured while driving their own vehicle, which coverage will apply from their personal auto policy?

When an insured is injured while driving their own vehicle, Part B: Medical Payments coverage from their personal auto policy will apply. This coverage is specifically designed to provide medical expenses for the insured and, in certain circumstances, passengers in the vehicle, regardless of who is at fault in an accident.

Medical Payments coverage helps cover costs such as hospital bills, surgeries, and rehabilitation for injuries sustained in an auto accident, which is why it is the appropriate coverage in this scenario. It offers protection irrespective of the liability determination, focusing instead on ensuring that the insured receives the necessary medical assistance.

Other types of coverage have different purposes. Liability coverage primarily protects the insured against claims made by others for bodily injury or property damage caused by the insured's negligent actions. Uninsured motorist coverage is intended for situations where the insured is involved in an accident with a driver who lacks sufficient insurance, covering the insured's damages. Coverage for Damage to Your Auto, often referred to as collision or comprehensive coverage, addresses physical damage to the insured's vehicle rather than personal injury. Thus, while they serve important roles in auto insurance, they do not directly cover personal injury aspects when the insured is at fault.