Which of the following would have medical payments coverage for injuries sustained on Archie's premises?

• A. Archie’s cousin visiting
• B. The dry cleaner's employee injuring on premises
• C. Lionel, delivering Archie's dry cleaning from the cleaner he works for
• D. A neighbor visiting Archie's home

Answer: (C)

Medical payments coverage to others pays the medical expenses of third parties who are on the insured location with the owner’s permission when an accident occurs there, regardless of fault. Lionel is on Archie's premises to deliver the dry cleaning from the cleaner he works for, so he’s a nonresident on the insured location there with Archie's permission. If he’s injured while on Archie's property, the policy would cover his medical expenses. The other scenarios involve visitors, who could be covered as guests, but the delivery-service situation is the clearest, most straightforward illustration of medical payments coverage applying to someone on the premises for a service.