The practical value of MedPay: it prevents small injury incidents from escalating into formal liability claims. If a guest cuts their hand and needs urgent care stitches — a $400–$800 visit — your $1,000 MedPay coverage handles it quietly, before lawyers become involved and before the injury is formally attributed to your negligence.
MedPay does not require a lawsuit, does not require establishing fault, and does not affect your liability limit. It is a separate, immediate-response fund for minor injuries.