In a General Liability Policy, medical payments cover medical expenses

In a General Liability Policy, medical payments cover medical expenses

• A. only if the insured is negligent
• B. up to policy limit
• C. regardless of fault
• D. only when there is liability

Answer: (C)

Medical payments coverage in a General Liability policy is a no-fault promise to pay the injured party’s medical expenses. It covers reasonable medical costs for bodily injuries caused by an accident that the policy covers, and it pays regardless of who was at fault. This is done up to a separate medical payments limit, which is independent of the general liability limit. The coverage is meant to get medical bills paid quickly and does not require proving the insured was negligent or liable.

Medical payments coverage in a General Liability policy is a no-fault promise to pay the injured party’s medical expenses. It covers reasonable medical costs for bodily injuries caused by an accident that the policy covers, and it pays regardless of who was at fault. This is done up to a separate medical payments limit, which is independent of the general liability limit. The coverage is meant to get medical bills paid quickly and does not require proving the insured was negligent or liable.