The short answer
Coverage F (Medical Payments to Others) pays $1,000–$5,000 of guest medical bills without any finding of fault — a goodwill payment that often stops lawsuits. Coverage E (Personal Liability) pays defense costs and settlements if you're actually sued. Standard limit $100k; upgrade to $300k–$500k for $10–$30/year.
Frequently asked
- Does it cover injuries to household members?
- No — residents of the household are excluded from personal liability.
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