Homeowners Policy (HO)Question 289 of 474
Coverage F (Medical Payments to Others) under a Homeowners policy pays medical expenses for an injured guest:
a.Only for members of the insured's own household
b.Only after a lawsuit is filed against the insured
c.On a no-fault basis, regardless of the insured's liability
d.Only if the insured is legally at fault
Explanation
Medical Payments to Others (Coverage F) is a no-fault, goodwill coverage that pays reasonable medical expenses for a non-resident injured on the insured premises or by the insured's activities, whether or not the insured is legally liable. It does not cover the insured or regular household residents. Paying small medical claims quickly helps preserve goodwill and can prevent larger liability lawsuits.
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