Question 43

Medical expenses for bodily injuries to an overnight guest of the insured are covered by the medical payments coverage on a Homeowners Policy.

Medical payments coverage on a Homeowners Policy specifically applies to medical expenses incurred due to bodily injuries sustained by guests in the insured's home, making it applicable to an overnight guest.

A) The insured

While the insured is covered under the homeowners policy, medical payments coverage does not apply to their own medical expenses. This coverage is designed to assist with the medical costs of others who are injured on the insured's property.

B) The insured's parents living in the home

The insured's parents living in the home would not be covered under the medical payments coverage, as this policy typically excludes household members from receiving medical payments for injuries sustained within the home.

C) An overnight guest of the insured

An overnight guest of the insured is covered under the medical payments coverage on a Homeowners Policy. This provision is intended to facilitate the payment of medical expenses for guests who may incur injuries while visiting the insured's property.

D) The insured's child while home on vacation from college

The insured's child, even when visiting from college, is generally considered a household member under the homeowners policy and thus would not be eligible for medical payments coverage. This exclusion applies to family members residing in the home.

Conclusion

The correct answer is C, as medical payments coverage is specifically designed to assist with expenses related to bodily injuries of guests, including overnight visitors. Options A, B, and D are incorrect because they pertain to the insured or family members, who are not covered under this specific provision. This highlights the distinction between household members and guests in terms of liability and coverage in homeowners insurance.