Medical payments to others is goodwill coverage. It pays necessary medical expenses of a person hurt in an accident without anyone having to prove fault. A friend who sprains an ankle on a porch step that was in good repair can have the bills paid, with no lawsuit and no finding of negligence.
Who is covered:
Guests and other people injured on the insured location.
People injured away from the insured location when the injury is caused by an insured's activities or by an insured's animal, such as a dog bite in a park or a golfer struck at a driving range.
Who is NOT covered:
Regular residents of the insured's household, other than residence employees. The insured's teenage son who lives at home gets nothing from this coverage.
Compare it with personal liability. Personal liability responds only when the insured is legally liable; medical payments to others pays regardless of fault. An insured's admission of fault does not create personal liability coverage where the insured was not negligent.