First aid expenses coverage is designed to pay for:

• A. The insured's own medical bills.
• B. Legal costs for defending a liability claim.
• C. First aid expenses incurred by the insured for others.
• D. Replacement costs for damaged personal property.

Answer: (C)

The main idea is that first aid expenses coverage pays for immediate, reasonable costs the insured incurs to help someone who is injured in an incident caused by the insured. It is meant to cover quick first-aid actions at the scene for others, not the insured’s own medical bills or ongoing medical care. It also isn’t about legal defense or repairing property. So the best choice is: first aid expenses incurred by the insured for others.