What does your homeowners insurance medical pay cover?
Scenario: Your friend comes over for dinner. As she was coming into the house, she trips and falls and also knocks you to the ground. Your friend was carrying a glass casserole dish, and gashed her hand. You landed squarely on your kneecap, and you felt immediate pain.
As an overview, your homeowners medical pay insurance applies to expenses related to injuries of others not living in the household, regardless of fault.
In the case above ...