What Do Medical Payments Cover?
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UPDATED: Sep 15, 2020
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Medical payments — often up to $1,000 — pay the medical bills for people accidentally hurt in your home. It also pays for people hurt away from your home by you, your household members, or by your pets. Often, this coverage is provided no matter who is at fault for the injury. It is intended to cover the costs of minor injuries without the need for a third party to sue for reimbursement.
Unlike the medical payments coverage in a personal auto insurance policy, a home medical payments coverage does not apply to injuries to you or to those who live with you. Nor does it cover injuries related to at-home business activities.