A policy carries a $1,000 Section I deductible. A visitor's $800 of medical bills is presented under Coverage F. The insurer pays:
Explanation
The Section I deductible attaches to property losses under Coverages A through D; the Section II liability coverages pay from the first dollar, so the whole $800 goes to the injured visitor. The answer that zeroes the claim applies a property deductible to a liability coverage. Requiring proof of liability confuses medical payments, which is paid without regard to fault, with personal liability.
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