Medical Payments Coverage

Medical payments coverage (Coverage F) pays for minor medical expenses when someone is injured on your property—without requiring them to sue you or prove you were at fault.

How It Works:

• Pays medical bills for injured guests
• No determination of fault required
• Covers injuries on your property or caused by your activities
• Quick payment without legal proceedings

  Typical Coverage Amounts:

• Usually $1,000 to $5,000 per person
• Much lower than liability coverage
• Designed for minor injuries only

  What's Covered:

• First aid and ambulance costs
• X-rays and medical tests
• Surgery and hospital stays
• Dental work from injuries
• Follow-up care

  What's NOT Covered:

• Injuries to you or household members
• Injuries to regular household employees
• Intentional injuries

  Why It Matters:

Medical payments coverage helps maintain good relationships with guests by covering their minor injuries promptly. It can prevent small incidents from becoming lawsuits.

Example: A guest trips on your steps and needs stitches. Medical payments coverage pays the $800 ER bill directly—no lawsuit needed.