Coverage F, Medical payments:
Covers medical expenses for third-parties injured both on the premises (with permission) and off the premises. Injuries on the premises are covered regardless of fault or negligence. Injuries off of the premises are covered if they are due to the actions of a member of the owner’s family.
Typical coverage limit with a basic policy is only $1,000. As with auto insurance, limits on this coverage are typically low because most individuals have their own individual or group medical insurance policies that cover most of the these costs.