What does Personal Auto Part B cover?

Personal Auto Part B specifically provides coverage for medical expenses incurred by passengers in the insured’s vehicle as a result of an automobile accident. This coverage is critical as it ensures that medical costs associated with injuries sustained by passengers are covered without needing to prove fault. It typically encompasses reasonable medical expenses, emergency room visits, surgeries, and sometimes even rehabilitation costs.

This coverage is designed to address the needs of individuals occupying the insured vehicle, thereby reducing financial strain related to medical care after an accident. It's important for policyholders to understand that this is distinct from other types of coverage, such as property damage liability or uninsured motorist coverage, which serve different purposes and scenarios in the realm of auto insurance.