We have a question about coverage under a personal auto policy. Our insured was driving home after attending a New Year's Eve party at a friend's home, when a deer darted into the road and hit the driver's side of the vehicle. It damaged the front fender, rear fender, and smashed the glass in the door on the driver's side, as well damaging that door. The impact jolted the driver, breaking her eyeglasses in two.
We are honoring the claim under her comprehensive coverage for the damage done by the deer, but the adjuster has told us that the bill for new eyeglasses is not included under the medical services clause of the medical payment coverage. How are eyeglasses covered in such an accident?
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