Which of the following covers an insured vehicle as a driver, passenger, and pedestrian?

The correct answer is medical payments coverage, as it specifically addresses medical expenses for the insured and their passengers, regardless of who is at fault during an accident. This type of coverage is designed to cover medical bills resulting from vehicle-related incidents, ensuring that drivers, passengers, and even pedestrians who are injured in an accident involving the insured vehicle receive necessary medical attention.

Medical payments coverage is distinct in its application to various roles that individuals can play during a vehicle-related incident. It is not limited to just the driver or passengers but extends to others who might be involved in the accident, such as pedestrians. This broad applicability makes it a crucial coverage for enhancing the overall protection of individuals in accident scenarios.

In contrast, collision coverage primarily focuses on damage to the insured's vehicle in the event of a collision, but it does not provide medical coverage for individuals. Liability coverage protects the insured against claims made by others for bodily injury or property damage they have caused, but it does not cover the insured's own medical expenses. Comprehensive coverage protects against damages to the insured vehicle from non-collision-related incidents, such as theft or natural disasters, but again does not address medical costs.