Medical payments coverage protects against all of the following except:

Medical payments coverage is designed to cover medical expenses incurred by individuals involved in an accident, regardless of fault. It usually applies to the insured, passengers in the insured's vehicle, and pedestrians who may be injured due to the insured's actions.

Considering this, the correct answer indicates that medical payments coverage does not protect occupants of a vehicle struck by the insured's vehicle. This coverage specifically addresses medical costs for those directly related to the insured vehicle and its occupants, but it does not extend to those who are occupants of another vehicle that is involved in the accident. Therefore, medical payments coverage would not apply to those injured in a vehicle that is not the insured's.

Thus, the answer recognizes the limitations of medical payments coverage in differentiating who is protected under the policy. Other options involve scenarios where individuals are directly associated with the insured vehicle, making them eligible for coverage under medical payments.