Struck by a falling person
Though it’s not common, people sometimes literally fall out of the sky and onto a motor vehicle. In 2014, a San Francisco window washer fell 11 stories and bounced off a moving car. While the driver wasn’t injured, if he or his passengers had been, PIP and MedPay would have covered the incident.
Without PIP or MedPay car insurance coverage, the car’s occupants could have put claims in with the window washer company’s liability coverage.