Tommy and Allison Arthur were going with their Aunt Kelly to their parents' home in Folly Beach. Tommy was driving his Aunt's car and Allison was sitting in front with their Aunt behind them working on her laptop. Tommy became distracted by a video Allison was watching on her cell phone and rear ended a car stopped to make a left turn. All three were treated and released at the emergency room. Who is covered for medical payments under the Arthur's PAP? Kelly and Allison but not Tommy because it was his fault. Only Allison since it was Tommy's fault All three have coverage. Tommy and Allison only