Question

78. Why don't commercial auto coverage forms automatically include medical payment coverage?

(Choose from the following options)
1. Commercial auto coverage is for damage to vehicles only.
2. Any person occupying a commercial vehicle must have a personal auto policy to cover any medical payments that result from an accident.
3. Often any person occupying a commercial vehicle would be covered under a workers compensation policy.
4. The business that owns the vehicles must be self-insured for medical payment coverage.

Answer 1

Commercial auto coverage forms do not automatically include medical payment coverage because often any person occupying a commercial vehicle would be covered under a workers compensation policy. Commercial auto coverage is primarily focused on vehicle damage, not medical payments.

Step-by-step explanation:

The primary reason why commercial auto coverage forms do not automatically include medical payment coverage is that often any person occupying a commercial vehicle would be covered under a workers compensation policy. Workers compensation insurance provides coverage for medical expenses and lost wages for employees who are injured while on the job. Since commercial vehicles are typically used for business purposes, employees who are injured while using these vehicles are usually covered under their employer's workers compensation policy.

In addition, commercial auto coverage is primarily focused on damage to vehicles, so it does not usually include medical payment coverage. The main purpose of commercial auto insurance is to protect businesses financially in case of accidents or damage to their vehicles, rather than providing medical coverage for individuals.

Therefore, if an individual is using a commercial vehicle and is injured in an accident, their medical expenses would typically be covered under their employer's workers compensation policy, rather than through the commercial auto insurance policy.