PAP Med Pay and Horseback Riding

June 11, 2012

The personal auto medical payments coverage extends to the named insured while a pedestrian when struck by an auto. Would riding a horse make the insured a pedestrian? Black's law includes someone on roller skates or skateboard under its definition.

Michigan Subscriber

We are of the opinion that the answer is no. Riding a horse is using the horse to get around since it moves on its own. A person on roller skates or a skateboard, like a pedestrian, has to use his own power to move and this makes such things different from riding a horse.