Which circumstance would be excluded under medical payments coverage of a personal auto policy?

Medical payments coverage in a personal auto policy is designed to cover medical expenses incurred by the insured and passengers in the insured vehicle due to an accident, regardless of who is at fault. However, this coverage is limited to injuries that occur as a result of the use of an auto.

When considering the options, being injured while driving a motorcycle does not fall under the purview of medical payments coverage for a personal auto policy. This is because motorcycles are typically not included in the definition of an "auto" under the personal auto policy. Therefore, any injuries sustained while operating a motorcycle are excluded from this coverage.

In contrast, injuries incurred while walking, riding a bicycle, or involved in a car accident could potentially be covered under different terms, although walking and biking typically do not involve the coverage of an auto policy, they can fall under related coverage in accidents involving vehicles. The key distinction here is that motorcycle injuries are specifically excluded as they operate under separate insurance requirements and are not encompassed within the protection of an auto policy’s medical payments coverage.