Endorsements & LiabilityQuestion 95 of 158
Coverage F medical payments to others on a homeowners policy is BEST described as:
a.A liability coverage that pays only if the insured is found legally at fault
b.A coverage that pays medical bills of the insured and resident relatives only
c.A property coverage that pays for damage to a visitor's belongings
d.A no-fault coverage with a low limit (typically $1,000-$5,000) that pays reasonable medical expenses for non-insured persons injured on the premises or by the insured's activities
Explanation
Coverage F is a goodwill, no-fault coverage. It pays reasonable medical expenses, usually limited to $1,000-$5,000 per person, incurred by guests or others (not insureds or regular residents of the household) who are injured on the premises or by the insured's activities off the premises. It pays without proof of legal liability, helping to head off small claims from becoming lawsuits.
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