Kim is 20 and a college student who owns 2012 KIA, with very high miles. The current market value of the car is about $4,000. Kim has purchased a personal auto policy (PAP). Kim is texting while walking a crosswalk. She is listening music, so she does not see or hear the car approaching. She is hit by the car and broke her leg. The driver makes a quick right turn and speeds away from the scene.

To what extent, if any, is Kim's injury covered under auto insurance?