Which provision of a CGL policy pays medical expenses for third-party injuries with no fault requirement?

• A. Coverage A Insuring Agreement
• B. Coverage B Personal and Advertising Injury
• C. Coverage C Medical Payments
• D. Supplementary Payments

Answer: (C)

Medical Payments to Others is the no-fault portion of a CGL policy. It pays the medical expenses of third parties who are injured as a result of an accident on the insured’s premises or from the insured’s operations away from the premises, regardless of whether the insured is legally liable. The goal is to provide prompt medical treatment and reduce the need for litigation, using a separate, per-claim limit and a time window after the accident. It does not cover the insured’s own injuries and it does not require proving fault. This is why it best fits the description of paying medical expenses for third-party injuries with no fault requirement.