Los Angeles Claims Adjuster Property and Causality Practice Exam

CGL Coverage C provides benefits for which of the following?

1. Bodily Injury and Property Damage

2. Medical Payments to Others

3. Property Damage to Premises Rent

4. Personal Injury Damage

The correct answer is: Medical Payments to Others

CGL Coverage C, also known as Medical Payments to Others, is designed to cover medical costs for individuals who sustain injuries on your premises or as a result of your operations, regardless of fault. This aspect of coverage is crucial because it establishes a quick, compassionate response to injuries that may occur, helping to cover expenses such as hospital bills, surgeries, and rehabilitation costs without requiring a liability determination. The focus of Coverage C is on providing immediate medical assistance rather than addressing bodily injury or property damage claims, which are handled under different sections of the Commercial General Liability (CGL) policy. By offering support for medical expenses, this coverage encourages prompt care for injured parties and helps prevent more significant claims in the future. In contrast, the other options pertain to different types of coverage within the CGL policy. Coverage for Bodily Injury and Property Damage typically falls under Coverage A. Property Damage to Premises Rented is a specific type of coverage found under a different clause, and Personal Injury Damage relates to harm caused by offenses like defamation, which is also covered but not under Coverage C.