Opinion ID: 1103544
Heading Depth: 1
Heading Rank: 1

Heading: indemnity against medical expenses caused by automobile accident

Text: The appellee-insurer promised to indemnify to the extent of $1,000.00 not only the named insured, but each relative and any other person who sustains bodily injury caused by accident while occupying the owned automobile while being used by the named insured, by any resident of the same household or by any other person with the permission of the named insured. This coverage likewise extends to bodily injury expenses resulting from the operation or occupancy by the named insured or operation on his behalf of a non-owned automobile, as follows: PART II  EXPENSES FOR MEDICAL SERVICES Coverage C-Medical Payments: To pay all reasonable expenses incurred within one year from the date of accident for necessary medical, surgical, X-ray and dental services, including prosthetic devices, and necessary ambulance, hospital, professional nursing and funeral services. Division 1. To or for the named insured and each relative who sustains bodily injury, sickness or disease, including death resulting therefrom, hereinafter called `bodily injury', caused by accident, (a) while occupying the owned automobile, (b) while occupying a non-owned automobile, but only if such person has, or reasonably believes he has, the permission of the owner to use the automobile and the use is within the scope of such permission, or (c) through being struck by an automobile or by a trailer of any type; Division 2. To or for any other person who sustains bodily injury, caused by accident, while occupying (a) the owned automobile, while being used by the named insured, by any resident of the same household or by any other person with the permission of the named insured; or (b) a non-owned automobile, if the bodily injury results from (1) its operation or occupancy by the named insured or its operation on his behalf by his private chauffeur or domestic servant, or (2) its operation or occupancy by a relative, provided it is a private passenger automobile or trailer, but only if such operator or occupant has, or reasonably believes he has, the permission of the owner to use the automobile and the use is within the scope of such permission. Definitions: The definitions under Part I apply to Part II, and under Part II: `occupying' means in or upon or entering into or alighting from; `an automobile' includes a trailer of of any type.    Limit of Liability: The limit of liability for medical payments stated in the declarations as applicable to `each person' is the limit of the company's liability for all expenses incurred by or on behalf of each person who sustains bodily injury as the result of any one accident. INDEMNITY AGAINST TORTS BY UNINSURED MOTORIST By another clause of the contract, the insurer promised to indemnify the insured for losses because of bodily injury which the insured shall be legally entitled to recover as damages    caused by accident and arising out of the ownership, maintenance or use of an uninsured automobile. The clause states: PART IV  PROTECTION AGAINST UNINSURED MOTORISTS Coverage J-Uninsured Motorists (Damages for Bodily Injury) To pay all sums which the insured or his legal representative shall be legally entitled to recover as damages from the owner or operator of an uninsured automobile because of bodily injury, sickness or disease, including death resulting therefrom, hereinafter called bodily injury, sustained by the insured, caused by accident and arising out of the ownership, maintenance or use of such uninsured automobile,; provided, for the purposes of this coverage, determination as to whether the insured or such representative is legally entitled to recover such damages, and if so the amount thereof, shall be made by agreement between the insured or such representative and the company or, if they fail to agree, by arbitration.    Definitions : The definitions under Part I, except the definition of `insured', apply to Part IV, and under Part IV: `Insured' means: (a) the named insured and any relative; (b) any other person while occupying an insured automobile; and (c) any person, with respect to damages he is entitled to recover because of bodily injury to which this Part applies sustained by an insured under (a) or (b) above. The insurance afforded under Part IV applies separately to each insured, but the inclusion herein of more than one insured shall not operate to increase the limits of the company's liability. `Insured automobile' means: (a) an automobile described in the policy. (b) a private passenger, farm or utility automobile ownership of which is acquired by the named insured during the policy period, provided (1) It replaces an insured automobile as defined in (a) above, or (2) The company insures under this coverage all private passenger, farm and utility automobiles owned by the named insured on the date of such acquisition and the named insured notifies the company during the policy period or within 30 days after the date of such acquisition of his election to make the liability and uninsured motorist coverages under this and no other policy issued by the company applicable to such automobile. (c) a temporary substitute automobile for an insured automobile as defined in (a) or (b) above, and (d) a non-owned automobile while being operated by the named insured, and the term `insured automobile' includes a trailer while being used with an automobile described in (a), (b), (c) or (d) above,    `uninsured automobile' includes a trailer of any type and means: (a) an automobile or trailer with respect to the ownership, maintenance or use of which there is, in at least the amounts specified by the financial responsibility laws of the state in which the insured automobile is principally garaged, no bodily injury liability bond or insurance policy applicable at the time of the accident with respect to any person or organization legally responsible for the use of such automobile, or with respect to which there is a bodily injury liability bond or insurance policy applicable at the time of the accident but the company writing the same denies coverage thereunder or (b) a hit-and-run automobile. The foregoing clause, like the medical expense clause, covers the named insured and any relative of the named insured who is a resident of the same household (see definitions) when not an occupant of the named automobile as well as when an occupant. Both clauses cover occupants of the named automobile, a substituted automobile or a borrowed automobile.