Final answer:
The listed exception who is not considered an 'insured' under the medical payments coverage of a Personal Auto Policy is 'a family member of the named insured if struck by an auto while crossing the street', as the coverage generally applies to occupants of the insured vehicle.
Step-by-step explanation:
The question asks for an identification of the exception among the listed individuals who would not be considered 'insureds' under the medical payments coverage of a Personal Auto Policy (PAP). The medical payments coverage typically applies to the named insured, family members, and passengers in the insured vehicle.
The correct answer to the query is: a friend who is injured while occupying the named insured's auto is generally covered under medical payments coverage, as are all the other individuals listed, except for 'a family member of the named insured if struck by an auto while crossing the street'. This is because medical payments coverage on a PAP is designed to provide protection to the policyholder and passengers in the insured vehicle; it doesn't necessarily apply to family members as pedestrians struck by other vehicles.