MURPHY, Chief Judge.
Under Article 48A, § 539(a) of the Maryland Code (1957, 1986 Repl.Vol.), all motor vehicle liability insurance policies issued, sold, or delivered in this State after January 1, 1973 must contain personal injury protection (PIP) provisions affording minimal medical, hospital, lost income, and disability benefits to covered persons "injured in any motor vehicle accident." Among the individuals who may receive these benefits are:
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