Since my stress condition is directly related to my accident, I believe that these bills should be covered by my policy.

The agreement in the medical-payments section of your personal auto policy (PAP) promises to pay "reasonable expenses incurred for necessary medical and funeral services because of 'bodily injury.'" The bodily injury must be sustained by you and caused by an accident.

The policy defines "bodily injury" as "bodily harm, sickness or disease, including death that results." Post-traumatic stress disorder is a psychological injury. It certainly may have physical manifestations, but it is a psychological injury.

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Some states have defined bodily injury to include psychological injury. Your state insurance department can tell you if your MedPay includes psychological injury.