Which scenario away from the insured premises would be covered under medical payments coverage?

• A. The jogger's medical expenses
• B. The adult son walking August's dog when it bites a jogger
• C. The adult son injuring himself
• D. The dog bites a jogger on August's premises

Answer: (B)

Medical payments coverage pays medical expenses for third parties injured by the insured’s actions or property, regardless of fault, and can apply even when the incident happens away from the insured location. Here, August’s adult son is walking August’s dog, and the dog bites a jogger. The jogger’s medical expenses would be covered even though the injury occurred off the insured premises because the incident stems from the insured’s animal and involves a third party. The other options don’t fit: a jogger’s medical expenses would be on-premises to be covered; the adult son injuring himself involves the insured or a resident, which MedPay generally doesn’t cover; and a dog bite on the premises is an on-site event, not away from the property.