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Someone gets injured on your property due to your
negligence or that of a member of your family. Liability
coverage also provides protection when somebody else's
property is damaged as a result of your negligence. If
someone is injured at your home, your insurer will reimburse
you for immediate necessary medical expenses, generally up
to a limit of $500 or $1,000. Examples of the types of
expenses that would be paid are transportation to a hospital
or doctor's office or a doctor's bill for necessary first
aid.