Which coverage is included in the PAP for bodily injury?

The correct choice is based on the specific features of personal auto policy (PAP) coverage that directly address bodily injury. Medical payment coverage is specifically designed to pay for medical expenses incurred by the insured and their passengers in the event of an accident, regardless of who was at fault. This coverage addresses bodily injury directly by covering hospital bills, surgery costs, and other necessary health-related expenses that arise from the accident.

In the context of the other options, property damage coverage pertains to damage to others' property and does not address bodily injuries. Uninsured motorist coverage protects against accidents involving drivers who do not have insurance, but it may not cover medical expenses directly in the same way that medical payment coverage does. Liability coverage is essential for personal auto policies as it covers bodily injury claims made against the insured by third parties, but it does not provide coverage for the insured’s own medical expenses resulting from an accident. Hence, medical payment coverage is the most relevant type of coverage included in the PAP that focuses on bodily injury.