What does "Coverage B" refer to in a Personal Auto Policy?

"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 policyholder and their passengers, regardless of who is at fault in an accident. It is particularly beneficial as it covers immediate medical costs such as hospital visits, surgeries, and rehabilitation, providing financial support for the insured and their passengers in the event of an accident.

Medical Payments coverage serves to address health-related expenses that might arise from an automobile accident, thereby ensuring that the insured individuals receive prompt medical attention without having to worry about out-of-pocket costs initially. It operates independently from other coverages, like liability or collision, which serve different purposes within the policy structure.

This clarification emphasizes the importance of understanding the specific roles of various types of coverage in a Personal Auto Policy, aiding policyholders in choosing the appropriate protections for their needs.