Our liability policy offers a $5,000 sublimit coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.
The $5k medical expense limit is available (at the claims adjuster's discretion) to use regardless of the insured's fault. If the insured is deemed at fault (liable) the coverage would fall under the liability limits.
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