Which of the following statements regarding Section II coverage under the Homeowners 3 policy is true?
A)Medical payments to others are covered regardless of whether the insured is legally liable.
B)Legal defense costs incurred by the insurer to defend the insured reduce the per-occurrence limit of liability available.
C)The insurer is not required to defend the insured against a groundless,false,or fraudulent lawsuit.
D)Any amount paid under medical payments coverage reduces the personal liability limit available for the same claim.

Question

Quizplus · Accepted Answer

Section II coverage under the Homeowners 3 policy provides medical payments to others, which do not require the insured to be legally liable. Therefore, option A is true. Option B is incorrect because legal defense costs do not reduce the per-occurrence limit of liability available. Option C is partly true, as the insurer is not required to defend the insured against groundless, false, or fraudulent lawsuits, but this is not specific to Section II coverage. Option D is incorrect because any amount paid under medical payments coverage does not reduce the personal liability limit available for the same claim.

Which of the Following Statements Regarding Section II Coverage Under