State Farm Mutual Automobile Insurance v. Gueimunde

State Farm Mutual Auto Insurance Company appeals an adverse judgment in an insurance coverage action. We affirm.

I

Plaintiff-appellee Antonio Gueimunde was insured by State Farm under an auto insurance policy. Plaintiff purchased medical payments coverage for $100,000. Plaintiff does not otherwise have health insurance coverage.

Plaintiff was in an automobile accident in 1997. He received a knee injury. After conservative treatment, the knee failed to *142improve. The treating physician concluded that the plaintiff had a tear to the menisci in the left knee, which would require surgery to repair.…