What will the medical payments coverage in a personal auto policy NOT pay for?

The medical payments coverage in a personal auto policy specifically provides benefits for medical expenses incurred as a result of an accident involving a covered vehicle. This type of coverage typically applies to injuries sustained while the insured is occupying, entering, or exiting a vehicle that is covered under the policy.

In the case of being injured while exiting a friend's mobile home, this scenario falls outside the scope of what the medical payments coverage is intended to cover. Medical payments coverage is designed for incidents occurring in or around the insured's own auto, not for accidents that occur in or around structures that are not classified as vehicles under the policy, such as mobile homes.

Therefore, situations that involve injuries sustained in areas unrelated to covered auto vehicles—like a friend’s mobile home—are not eligible for payment under this specific coverage, making it the appropriate choice in distinguishing what the policy does not cover.