Coverage F pays for an injured party's medical care regardless of insured's liability. This describes which coverage?

Coverage F pays for an injured party's medical care regardless of insured's liability. This describes which coverage?

• A. Medical expenses to others regardless of liability
• B. Personal liability to others
• C. Medical payments to insured
• D. Uninsured motorist coverage

Answer: (B)

The concept here is medical payments to others. This type of coverage pays the medical expenses of someone injured because of the insured’s actions, and it does so regardless of whether the insured was legally at fault. It’s separate from liability coverage, which only pays damages the insured is legally responsible for. It’s also distinct from medical payments to the insured (for the insured’s own injuries) and from uninsured motorist coverage. So the description matches medical payments to others.

The concept here is medical payments to others. This type of coverage pays the medical expenses of someone injured because of the insured’s actions, and it does so regardless of whether the insured was legally at fault. It’s separate from liability coverage, which only pays damages the insured is legally responsible for. It’s also distinct from medical payments to the insured (for the insured’s own injuries) and from uninsured motorist coverage. So the description matches medical payments to others.