Does medical payments under section 2 of a homeowners policy cover loss of income for an injured person?

Medical payments under section 2 of a homeowners policy primarily cover medical expenses for injuries that occur on the insured premises or in some cases, due to the insured's activities. These payments are designed to provide immediate assistance for medical costs incurred, such as hospital visits, surgeries, and other related treatments.

The focus of medical payments coverage is not to compensate for loss of income or other forms of economic damages suffered by an injured person. This coverage is meant to prevent small claims from escalating by providing prompt payment for medical costs, thereby helping to maintain good relationships among parties involved without the need for litigation.

Loss of income would typically fall under different types of coverage, such as liability coverage, which would address damages awarded through lawsuits but not under the scope of medical payments. Additionally, this rule applies regardless of whether the injured person is a guest or a resident of the household, emphasizing that the intent of this specific coverage is strictly related to medical expenses, not economic damages like lost income.