Automobile medical payments coverage applies when an insured person is injured while:

Automobile medical payments coverage is specifically designed to cover medical expenses for injuries sustained by the insured or their passengers within the insured vehicle. This type of coverage is activated when there is an incident that occurs while the individual is occupying the automobile. Therefore, when an insured person is a passenger in an automobile, any medical expenses arising from injuries incurred during an accident can be covered under this provision. This ensures that passengers are protected while being transported in the insured vehicle, reflecting the intent of the coverage to provide financial support for medical expenses in these scenarios.

The other situations presented do not fall under the coverage provided by automobile medical payments. For instance, walking across the street or being involved in a high-speed chase does not relate to being a passenger in a vehicle, and riding a bicycle is also typically excluded, as these activities do not involve the individual being inside the insured automobile.