Question

Which of the following losses may qualify for coverage under Coverage F - Medical Payments?

Option 1: A policyholder's laptop is stolen from their car.
Option 2: A guest slips and falls on the insured's icy driveway.
Option 3: The insured's house is damaged in a hailstorm.
Option 4: The insured's pet dog bites a neighbor

Answer 1

Coverage F - Medical Payments may cover injuries resulting from slipping on an icy driveway or being bitten by a pet dog.

Step-by-step explanation:

Coverage F - Medical Payments typically covers medical expenses incurred by others who are injured on the insured's property or as a result of the insured's actions. Based on the options provided, option 2 and option 4 may qualify for coverage under Coverage F - Medical Payments.

1. Option 2: A guest slipping and falling on the insured's icy driveway could result in injuries that require medical attention. In this case, Coverage F - Medical Payments could potentially cover the guest's medical expenses.
2. Option 4: The insured's pet dog biting a neighbor could also lead to injuries that require medical treatment. Coverage F - Medical Payments may cover the neighbor's medical expenses resulting from the dog bite.

However, options 1 and 3 are not likely to qualify for coverage under Coverage F - Medical Payments. The theft of a laptop from a car (option 1) and damage to a house in a hailstorm (option 3) would typically fall under other coverages such as property insurance.