Coverage F - Medical Payments to Others is a no-fault coverage in homeowners insurance that pays for medical expenses if a guest or non-household individual is injured on the insured's property. It also applies to certain injuries caused by the insured, their family members, or pets, even off the premises. This coverage is designed for minor injuries and typically has lower policy limits, helping to prevent lawsuits by addressing immediate medical costs.
Coverage F Qualification
Medical expenses include reasonable charges for the following:
- Medical
- Surgical
- X-ray
- Dental
- Ambulance
- Hospital
- Prosthetic devices
- Funeral services
Coverage Requirements
Coverage F defines necessary medical expenses as “reasonable charges.” For a charge to be covered under this section, it must result from an accidental bodily injury covered by the policy and must be deemed reasonable in amount. Coverage does not apply to treatment performed at excessive fees. Additionally, expenses are only eligible for coverage if they are incurred within three years of the date of the incident that caused the injury.
