I just saw the second part of your question "how it's calculated". Pete's calculation ($8,000 x 80%= $6,400 payable). His son, Joe's ($5,000 x 80% = $4,000). Medical payments are 80% for insured and family member in covered auto regardless of whether it's in Texas or not. There's no deductible. His friend Jim has no coverage out of state so total for Pete & his son Joe is $10,400.

Hope that helps.