Medical Payments to Others (Coverage F)
Insurance Glossary
The part of a homeowners policy that pays medical bills for guests injured on the property, regardless of whether the homeowner was at fault. Limits are small next to personal liability coverage, and the purpose is to settle minor injuries quickly and reduce the chance that one turns into a lawsuit. It does not cover the homeowner or other regular residents of the household, whose own injuries fall to health insurance.
This content is for general informational purposes only and is not insurance, legal, or financial advice. Coverage, exclusions, eligibility, and pricing vary by insurer, by policy, and by state, and only the policy documents control what is covered. Always confirm the details of any coverage with a licensed insurance agent or the issuing carrier before you buy.
Related Articles
Life Insurance Underwriting and the Medical Exam
Underwriting is how an insurer classifies your risk. Here is what the application, the paramedical exam and the outside databases actually look at.
Read MoreWho Pays the Medical Bills After a Car Accident?
PIP, MedPay, health insurance and the at-fault driver's liability coverage all touch the same bills. Here is the order they usually pay in and why it varies by state.
Read More