In terms of Medical Payments coverage, how is the coverage classified when occupying non-owned autos?

Medical Payments coverage in a Personal Auto Policy is designed to provide protection for medical expenses incurred by the insured and passengers in the insured vehicle, regardless of fault. When it comes to non-owned autos, this coverage is classified as excess. This means that if you are involved in an accident while driving a non-owned vehicle, the Medical Payments coverage applies only after any other available coverage has been exhausted.

This is particularly important because it establishes a hierarchy of coverage. If the non-owned vehicle you are operating has its own medical payments coverage, that will pay first. If that coverage is insufficient or doesn’t exist, then your personal auto policy's Medical Payments coverage will kick in, providing additional coverage. Knowing that this coverage is excess helps you understand your liabilities and the importance of having adequate personal and non-owned vehicle coverage.

Other classifications such as secondary, limited, or comprehensive do not accurately describe the nature of the Medical Payments coverage in this context. Secondary suggests a different structure than the primary excess nature of the coverage concerning non-owned vehicles, while limited and comprehensive refer to entirely different types of coverage, which do not apply here.