Which medical expenses incurred during the accident qualify for coverage under Mr. Higgins' policy?

The correct answer highlights that both Sue Trent's and Scott Finley's medical expenses qualify for coverage under Mr. Higgins' policy due to the provisions typically found in a no-fault insurance framework. In New York, no-fault insurance coverage is designed to provide immediate medical benefits to all parties involved in an automobile accident, regardless of who is at fault. This often includes compensation for medical expenses such as hospital stays, doctor visits, and rehabilitation services.

Both individuals, being affected by the accident, fall under the protection of Mr. Higgins' insurance policy, which mandates coverage for medical costs related to injuries sustained due to motor vehicle accidents. This aspect is central to the no-fault system, ensuring that medical expenses can be addressed swiftly and without prolonged legal disputes over liability. Consequently, the coverage extends to all eligible parties involved, making it clear that Mr. Higgins' policy encompasses both sets of medical expenses incurred by Sue Trent and Scott Finley.