6. COVERED ACCIDENT BENEFITS Emergency Dental Benefit An Emergency Dental Benefit is payable for each Insured who requires dental work as the result of Injuries received in a Covered Accident. This benefit is only payable for broken teeth repaired with crown(s) or broken teeth requiring extraction, regardless of the number of teeth involved. Emergency Room Treatment Benefit An Emergency Room Treatment Benefit is payable for each Insured who requires examination and Treatment by a Physician in an Emergency Room as the result of Injuries received in a Covered Accident. Epidural Pain Management Benefit An Epidural Pain Management Benefit is payable for each Insured who receives an Epidural Injection administered for pain management for Injuries received in a Covered Accident. Epidural Injection means injection of drugs through a catheter placed into the epidural space. The epidural must be prescribed by a Physician and administered in a Hospital or Physician’s office. This benefit is payable up to 2 times per Insured per Covered Accident. This benefit is not payable for an Epidural Injection administered during a surgical procedure and does not include epidural steroid injections. Eye Injury Benefit An Eye Injury Benefit is payable for each Insured who incurs an eye Injury as a result of a Covered Accident. The eye Injury must require surgery or the removal of a foreign object by a Physician. Only one Eye Injury Benefit is payable for all eye Injuries sustained in the same Covered Accident. Family Lodging Benefit A Family Lodging Benefit is payable for one companion to accompany the Insured who is Confined in a Hospital as a result of Injuries received in a Covered Accident. The Hospital must be more than 100 miles from the residence of the Insured. The place of lodging must be a motel or hotel room. Subject to the Maximum Lodging Night Stays shown in the Benefit Highlights, benefits will be paid as long as: · the companion accompanies the Insured; and · the Insured remains Confined. Fracture Benefit A Fracture Benefit is payable for each Insured who sustains Fractures as the result of Injuries received in a Covered Accident. The Fracture must: · be a Fracture covered under the Policy as shown in the Benefit Highlights; · be diagnosed by a Physician; and · require open (surgical) reduction or closed (non-surgical) reduction by a Physician. A partial benefit is payable for each Insured who sustains a Chip Fracture or other Fractures not reduced by open or closed reduction. If an Insured sustains more than one Fracture in a Covered Accident which requires open or closed reduction, we will pay for no more than two Fractures with the benefit paid being the two highest applicable benefit amounts as shown in the Benefit Highlights. Gunshot Wound Benefit A Gunshot Wound Benefit is payable for each Insured who sustains a gunshot wound as a result of a Covered Accident. The gunshot wound must be caused by: · a bullet; or · other object fired by rifle or pistol using gunpowder. The gunshot wound must be treated by a Physician at a Hospital. Only one Gunshot Wound Benefit is payable for all gunshot Injuries sustained in the same Covered Accident. 16-AC-C-01 Page25