Which statement about Coverage C Medical Payments is true?

Which statement about Coverage C Medical Payments is true?

• A. Only if the insured is at fault.
• B. Regardless of fault, for injuries to third parties on the insured premises or arising from the insured's operations.
• C. Only for injuries to employees.
• D. Only for injuries to the insured.

Answer: (B)

Medical Payments coverage in a Commercial General Liability policy is a no-fault, first-aid style protection that pays medical expenses for third parties who are injured on the insured’s premises or as a result of the insured’s operations, regardless of fault. This is why the statement is true: the coverage responds without needing to prove liability and applies to injuries to third parties in those contexts. It does not cover injuries to the insured or to the insured’s employees, and it isn’t dependent on the insured being at fault.

Medical Payments coverage in a Commercial General Liability policy is a no-fault, first-aid style protection that pays medical expenses for third parties who are injured on the insured’s premises or as a result of the insured’s operations, regardless of fault. This is why the statement is true: the coverage responds without needing to prove liability and applies to injuries to third parties in those contexts. It does not cover injuries to the insured or to the insured’s employees, and it isn’t dependent on the insured being at fault.