North Carolina Adjuster Practice Exam 2025 – 400 Free Practice Questions to Pass the Exam

Question: 1 / 400

Which homeowners policy coverage will pay for Dewayne's injuries after he accidentally knocks over a storage unit?

Dewayne's home insurance

Pat's Liability coverage

Workers' Compensation

Medical Payments coverage

The correct answer is Medical Payments coverage. This coverage is specifically designed to provide immediate medical expense payments for injuries that occur on a property, regardless of who is at fault. In the scenario where Dewayne accidentally knocks over a storage unit and causes injuries, Medical Payments coverage would cover the medical costs associated with those injuries, up to the policy's limits.

This type of coverage is separate from liability coverage, which typically would require proof of negligence or fault, making it a more immediate solution for covering medical expenses following an accident. It allows for quick access to funds for medical bills without the need for legal proceedings, ensuring that injured parties receive prompt care.

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