Póliza de Propietarios (HO)Pregunta 357 de 531
A policy carries a $1,000 Section I deductible. A visitor's $800 of medical bills is presented under Coverage F. The insurer pays:
a.$800, as the deductible is property only
b.nothing, the bill being under $1,000
c.$400, splitting the bill with the insured
d.$800, but only if the insured is liable
Explicación
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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