What are Medical Payments, and how does that coverage differ from Liability?
A. Liability coverage is based on negligence or liability, whereas Medical Payments coverage can be used regardless of fault. For instance, if someone trips over their own feet while getting into, or out of your plane and they are injured, then you could offer to have your insurance company cover their medical bills up to the limit of your Medical Payments coverage, even if you were not at fault. It can be looked at as a goodwill payment. On the other hand, your insurance company will not offer payments under the liability section of your policy unless they feel you are somehow responsible.
