A resident son injures his sister at home and the parents present her $5,000 of bills to their own liability coverage. Section II:
Explanation
Both liability coverages step around family claims: personal liability excludes bodily injury to an insured, and medical payments excludes anyone who regularly resides on the premises, so a sister living in the household collects nothing from her parents' policy. Her bills are a health insurance matter. Splitting the payment for shared fault describes a tort defense, not anything written into the form.
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