“On the tenth day of Christmas my true love gave to me ten lords a leaping, nine ladies dancing, eight maids a milking, seven swans a swimming, six geese a laying, five gold rings, four collie birds, three French hens, two turtle doves, and a partridge in a pear tree.”
Wow, ten lords a leaping! It looks like we have a party. Ten lords and nine ladies, and I’m sure nobody’s sober. I sure hope that nobody is fixing to get hurt.
Now, I’m a responsible homeowner and I maintain my home in good repair, I also keep hazardous materials and items out of the reach of children and do my best to make sure that nobody gets hurt on my property. The last thing that anybody wants is to hurt somebody, but sometimes things happen. These things may or may not be our fault, but they do happen.
The problem is that when accidents happen it is all too common to have lawyers involved and they suddenly want to blame the homeowner for the accident. This will generally end up as a liability claim under your homeowner’s insurance policy. It will cost the insurance company lots of money to defend, even if the homeowner is completely innocent and the case is won.
In an effort to keep the guests from running to their nearest attorney the insurance companies came up with a coverage that will help the homeowner provide for the medical needs of the guest. It is called Medical Payments To Others coverage. It is part of the liability coverage package under the standard homeowner’s insurance policy.
Medical Payments coverage does not provide for medical payment to the homeowner or any household residents. It provides for payment of medical expenses incurred by the guests of the homeowner while on the property.
As an example, let’s say that our ten lords a leaping just happen to fall over and hurt themselves while frolicking about. If someone wants to frolic and caper about they are bound to have an accident sooner or later. It doesn’t necessarily make the homeowner at fault for their clumsiness, but some sympathy and kindness on his part will certainly help the “lord” to feel better about the situation. It’s also possible that he might even realize that his injury was his fault.
Medical payments coverage is designed to avoid the lawsuit. It is much cheaper and usually much better policy, to be kind and generous to others. If you believe in Karma then you’ll probably agree.