True or false? A friend is injured while Tony is driving a non-owned auto. This injury would be covered under Tony's PAP's medical payments coverage.

• The statement is true.

Tony's PAP's medical payment would be able to cover for his friend's injury. The policy covers both medical payments, and damages to the vehicle. In paying for the insurance, individuals pay certain set premiums annually, instead of paying out of their pockets in case a risk occurs. This makes it easy for the insurance company to poll the funds together and indemnify the insured when the risk occurs. This is the case with Tony and the Friend, the insurance cover will be able to foot the medical bill.