The short answer
Coverage F pays minor medical bills for injured guests without any finding of fault. Standard limit $1,000, upgradable to $5,000 for $5–$15/year. It's a peacekeeper — often stops a lawsuit before Coverage E (personal liability) is triggered. Does not cover residents of the household.
Frequently asked
- Does it cover injuries off my property?
- Yes if caused by an insured or animal — bike collision on the sidewalk, dog bite at the park.
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