Example: A friend trips over your video game controller and fractures their wrist. Emergency care and casting costs $25,000. Your MedPay covers the first $5,000 immediately and without fault determination. Your personal liability then pays the remaining $20,000 if your friend files a claim against you.
What Does Renters Insurance Liability Coverage Actually Pay For?
When a covered personal injury claim moves into liability territory, here is what your renters insurance covers in practical terms:
Medical expenses: ER visits, hospitalization, surgery, physical therapy, follow-up specialist appointments, prescription medications. All covered up to your policy limit.