Simply Explaining Insurance #61 Medical vs Liability

Many of your insurance policies have two lines of coverage called “medical” and “liability”. The coverage offered inside of these are similar, but they are triggered in different ways.

In this podcast I discuss the difference between the two. With medical, generally, fault does not come into play. With liability someone has to be liable.

I had a client recently who had her sister over and she fell and hurt her hip while in his house. Medical coverage would be available to her regardless of how she hurt herself. Liability would be available only if the homeowner was liable for her fall.