Which of the following statements is false regarding Part B of a Personal Auto Policy (PAP)?

Part B of a Personal Auto Policy (PAP) specifically covers medical payments for the insured and passengers in the insured vehicle in the event of an accident, regardless of who is at fault. It is designed primarily to cover medical expenses incurred as a result of injuries sustained during an auto accident.

The statement regarding coverage for pedestrians is inaccurate in the context of Part B. While pedestrians may benefit from other coverages, such as liability coverage if the insured driver is at fault, Part B of the PAP does not extend its coverage to injuries sustained by pedestrians. Part B specifically applies to the insured and their passengers; therefore, this statement is false.

The other statements are accurate. The insured is indeed covered under this part of the PAP, it pays medical expenses without regard to fault, and typically there is a three-year statute of limitations for filing claims related to medical payments in auto accident cases. This combination of features clarifies the purpose and limitations of Part B within the context of the Personal Auto Policy.