Homeowners Policy (HO)Question 349 of 474
A neighbor's child is hurt on the insured's trampoline and runs up $2,600 of medical bills. The standard minimum Coverage F limit pays:
a.$1,000 for that child
b.$500 for that child
c.$2,600 for that child
d.$100,000 for that child
Explanation
Coverage F medical payments to others is written per person with a standard minimum of $1,000, so $1,000 of the $2,600 is paid and the balance is not a Coverage F matter. The $100,000 figure is the Coverage E personal liability limit, which responds only if the insured is legally liable. No fault has to be shown to trigger Coverage F.
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