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Medical Payments to Others

/MED-ih-kul PAY-munts/

Covers minor injuries to guests regardless of fault.

Definition

Medical payments to others (Coverage F) pays for minor medical expenses when a guest is injured on your property, regardless of fault. It's designed to handle small claims without a liability lawsuit. Limits are typically $1,000-$5,000 per person.

Example

When a neighbor's child fell and needed stitches, medical payments coverage paid the $2,000 ER bill without any legal claim.

Related Terms

Homeowners Liability

Covers injuries to others that occur on your property.

Claim

A request for payment under your insurance policy.

Limit (Policy Limit)

The maximum amount an insurer will pay for a covered loss.

More Home Insurance Terms

Dwelling Coverage

Insurance that covers the structure of your home.

Personal Property Coverage

Coverage for your belongings inside your home.

Other Structures Coverage

Coverage for structures not attached to your home.

Loss of Use Coverage

Pays living expenses if you can't stay in your home.

Replacement Cost

The cost to replace property with new items of like quality.

Homeowners Liability

Covers injuries to others that occur on your property.

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