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What do coverages for Voluntary Medical and Property Damage include?
Voluntary Medical Payments coverage pays reasonable medical expenses in the year after an accident when you unintentionally injure another person or if they are accidentally injured on your property – even though you are not legally liable.
Voluntary Property Damage Payments coverage covers unintentional direct loss or damage you cause to somebody's property – even though you are not legally liable. It can also cover loss or damage to someone else’s property caused intentionally by a minor child (12 years of age or under) in your care.
You don't have to be legally liable to use either of these coverage options, and there is no deductible.
