Coverage F (Medical Payments to Others)
Insurance coverage that pays for minor medical expenses if someone who doesn't live with you is injured on your property, regardless of fault.
Detailed Explanation
Unlike personal liability coverage, medical payments coverage does not require establishing legal liability. It's designed to quickly resolve small medical claims without litigation, typically with limits between $1,000 and $5,000.
Practical Example
When Lisa's neighbor tripped on a loose paver on Lisa's patio and needed stitches, her medical payments coverage paid for the emergency room visit and treatment without requiring proof that Lisa was negligent.
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