Medical Payment Coverage, commonly referred to as MedPay, is the section of a standard home insurance policy that will cover medical costs in the event that someone is injured on your property and does not want to sue you. When someone is injured on your property and does not want to sue you for the damages, you can use MedPay to help cover medical costs. MedPay would cover injuries sustained on your property when a lawsuit is not present such as the following examples:
- A neighbor falls on your steps, hurts her back and does not want to sue
- A neighborhood child falls on your driveway , sprains his ankle and does not want to sue
- Your friend is bit by your dog and does not want to sue
Typical MedPay coverage will cover $1,000 per injured person. Some homeowners may choose to take out an extension of this coverage if they feel they need extra protection.
Some types of occurrences that are NOT covered under this type of coverage include injuries sustained:
- Due to the transmission of a communicable disease
- Because of physical/mental/sexual abuse
- Occurring out of the sale, manufacture or distribution of a controlled substance
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Q: What does a standard home insurance policy cover?
A: A standard home insurance policy includes six basic types of coverage:
- Coverage A- Dwelling
- Coverage B- Other Structures on Your Property
- Coverage C- Personal Property/Contents
- Coverage D- Loss of Use
- Coverage E- Personal Liability Protection
- Coverage F- Medical Payments
