Medical Payments to Others
Coverage that pays for minor medical expenses for people injured on your property, regardless of fault.
Detailed Explanation
Also known as Coverage F, this no-fault medical coverage typically has lower limits ($1,000-$5,000) and is designed to quickly resolve small injuries without litigation. It doesn't apply to you or household members.
Practical Example
When a delivery person slipped on David's icy steps and needed a trip to urgent care, David's medical payments coverage paid the $1,200 bill without requiring proof of negligence or legal proceedings.
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