Med Pay Coverage under the PAP

June 24, 2013

We have a named insured driver who has a prosthetic leg that was damaged in an auto accident. The prosthetic leg now needs to be replaced. Would the cost of the new prosthetic leg be covered under the medical pay coverage under the personal auto policy?

Illinois Subscriber

It is true that med pay applies to reasonable expenses for necessary medical services but the coverage is based on bodily injury. Replacing a prosthetic leg is actually a property damage claim and med pay only applies to bodily injury.