Many home insurance policies include coverage for voluntary medical payments. When an insured person is responsible for an injury to a third party, they can pay for the injured person’s medical expenses. Even if the insured isn’t legally liable, Medical Payments Coverage will still reimburse these costs. The situation still has to meet the policy conditions: it can’t be an intentional injury.
The goal of this coverage is to avoid a costly lawsuit by voluntarily paying for the injured third party’s medical expenses.