Homeowners Policy (HO)Question 353 of 474
Immediately after a guest is hurt on the premises, the insured pays $300 for first aid at the scene. Under the Section II additional coverages, that expense is:
a.excluded, being a voluntary payment made
b.covered only when the insured is at fault
c.charged against the Coverage F limit first
d.covered as a Section II additional coverage
Explanation
First aid expenses an insured incurs for others after a covered bodily injury are one of the Section II additional coverages, paid in addition to the Coverage E and Coverage F limits rather than out of them. The answer charging the payment against Coverage F confuses an additional coverage with the medical payments limit. First aid to an insured is not covered.
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Related questions on this topic
- The insured's own resident daughter breaks her arm on the stairs at home and needs $3,000 of treatment. Under Coverage F, the homeowners policy pays:
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