Does coverage under Part B follow the car or the person?

In the context of Part B coverage, which typically refers to medical payments coverage within an auto insurance policy, the correct understanding is that this coverage follows the vehicle. This means that if someone is injured while occupying a covered vehicle, that individual's medical expenses will be covered, regardless of who was at fault in the incident.

This characteristic of Part B coverage is crucial for ensuring that various individuals who are injured in a covered vehicle—such as the driver, passengers, or even pedestrians struck by the vehicle—can access medical payments without the complexities of assigning fault or liability. The idea is to provide quick support for medical expenses, fostering timely medical care for those affected.

Other options do not accurately encapsulate the nature of Part B coverage. For instance, stating that it follows the person would imply a focus on personal insurance rather than the vehicle itself. This could create confusion about liability and the circumstances under which coverage applies. The examination of both equally does not align with the specific design of auto insurance policies, which designate such coverage distinctly for vehicles. Lastly, negating coverage altogether would contradict the fundamental purpose of having Part B within an auto insurance framework.