Definition
Medical payments coverage pays guest medical expenses from injuries on your property—no lawsuit required. It's goodwill insurance.
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Medical payments coverage pays medical expenses for guests injured on property without requiring homeowner liability. Coverage applies to emergency treatment only, typically $500-$5,000 per person. No lawsuit or fault determination is required. Provides goodwill and reduces litigation risk.
Pro Tip
Medical payments coverage is inexpensive. Maintain adequate limits.
Example
Medical payments coverage of $2,000 per person pays for guest's emergency room visit after falling on property.