Homeowners InsuranceQuestion 141 of 215
A visitor slips on the insured's icy front step and incurs a $1,800 ER bill. The insured was not negligent. Under a standard HO-3 with $1,000 Medical Payments to Others, how does the policy respond?
a.It pays nothing because the insured was not negligent
b.It pays the entire $1,800 under Coverage E personal liability
c.It pays up to $1,000 under Coverage F regardless of fault
d.It pays only after the visitor exhausts her own health insurance
Explanation
Coverage F, Medical Payments to Others, is a no-fault Section II coverage that pays reasonable medical expenses for guests injured on the insured premises up to the listed limit, typically $1,000 to $5,000. The insured's legal liability is irrelevant; the coverage is meant to head off disputes and small lawsuits. Larger awards based on negligence fall under Coverage E.
Law Reference: ISO Homeowners Section II, Coverage FPractice all 215 questions free — no signup required.
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