If you bang your head so badly on a part of your car you need a doctor to look you over, your PIP coverage should cover your medical expenses. The same would hold true if you didn’t secure your hood properly and it fell on your head as you were working in the engine compartment, since this pertains to the maintenance of your vehicle.
MedPay might also cover both incidents, depending on whether your policy terms consider reaching in the trunk or looking under the hood as “occupying” the vehicle.
The NHTSA estimates that 10,000 people each year are hurt by a trunk lid. An estimated 5,000 people are injured each year by a vehicle’s hood.
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