Under which circumstance would Pablo be outside the medical payments coverage of Ashley's policy?

• A. Injured during a full-time employment role at the home
• B. In a bar fight while out with drinking buddies
• C. Injured while performing yard work for pay
• D. Injured as a guest on the insured premises

Answer: (B)

Medical payments coverage pays medical expenses for guests injured on the insured location or as a result of the insured’s acts, regardless of fault, but it excludes injuries to certain people and in certain situations. The bar fight scenario happens off the insured premises and isn’t connected to Ashley’s acts or to a guest on the property, so it wouldn’t be covered. In contrast, injuries to someone who is an employee working at the home would typically fall under workers’ compensation rather than medical payments, and injuries to a guest on the insured premises would be covered. Therefore, the bar fight off premises is the circumstance outside the medical payments coverage.