Homeowners InsuranceQuestion 110 of 158
Coverage F (Medical Payments to Others) on a standard homeowners policy is BEST described as:
a.Fault-based coverage requiring proof of negligence
b.No-fault coverage with a small per-person limit, typically $1,000
c.Coverage for injuries to the named insured and family members
d.Coverage that pays only after a lawsuit is filed
Explanation
Coverage F is no-fault medical payments to others. It pays the reasonable medical expenses of a non-insured injured on the premises with permission or off-premises due to an insured's activities, without any need to prove negligence. The standard limit is $1,000 per person, often increased to $5,000.
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