Coverage F - Medical Payments to Others
Property insurance term
Definition
Coverage that pays medical expenses for people injured on your property or by your activities, regardless of who is at fault. This is a 'no-fault' coverage that can help avoid liability claims by quickly paying for minor injuries like cuts, sprains, or broken bones. It covers reasonable medical expenses incurred within a specific time period (usually 1-3 years) after the accident. Standard limits range from $1,000 to $5,000 per person. This coverage does not apply to you or regular residents of your household.