What does the Medical Payments (MedPay) option cover?

The Medical Payments (MedPay) option is specifically designed to provide coverage for medical expenses incurred due to injuries sustained by both the driver and passengers in a covered vehicle following an accident. This benefit applies regardless of who is at fault in the accident, making it a valuable addition to an auto insurance policy. MedPay typically covers costs related to medical treatment, hospital stays, and even rehabilitation services, ensuring that all parties involved in the vehicle can receive necessary care without extensive out-of-pocket expenses.

In contrast, the other options do not accurately depict the coverage provided by MedPay. For instance, the option that suggests it covers only the medical expenses of the driver misses the essential aspect of passenger coverage. The choice referring to all vehicle damage costs is more aligned with collision or comprehensive coverage, rather than medical payments. Lastly, the option regarding legal fees is related to different types of coverage, such as liability or legal defense costs, which are not included in MedPay. Thus, MedPay's primary focus on medical expenses for both drivers and passengers clarifies why that is the correct answer.