Every year, you go to your sister’s house for Thanksgiving. She either overcooks or undercooks the turkey. She always stuffs the turkey, against your advice. This year, you complain that the turkey looks underdone; you eat the turkey and stuffing anyway and come down with food poisoning. You have had it with your sister and want her to pay your medical bills. How is this covered?
The sister’s Homeowners Policy would provide coverage under the medical payments and would pay the bills up to the limit of the policy.