Dewayne is helping Pat restore his 1967 Mustang. While working in Pat's detached garage, Dewayne accidentally backs into a rickety storage unit, knocking it over and causing several tools and cans of paint to come crashing down on himself. Which homeowners policy coverage will pay for Dewayne's injuries?

Rationale

Pat's Liability coverage will pay for Dewayne's injuries.

Liability coverage under Pat's homeowners policy protects against claims arising from injuries to others on his property. Since Dewayne was helping Pat and the incident occurred on Pat's premises, Pat's liability coverage is responsible for covering Dewayne's injuries.

A (Pat's Liability coverage) CORRECT

This coverage is designed to protect homeowners from legal liability for injuries sustained by others on their property. In this scenario, since Dewayne was injured while assisting Pat in Pat's garage, Pat's liability insurance will cover the medical expenses and any related claims as it is his property where the incident occurred.

B (Dewayne's Liability coverage) YOUR ANSWER

Dewayne's liability coverage would only apply if he were held responsible for causing injury to someone else or damaging their property. In this case, Dewayne is the injured party, not the one at fault, so his liability coverage does not apply to his injuries sustained while on Pat's property.

C (Dewayne's Dwelling coverage) YOUR ANSWER

Dwelling coverage typically protects the structure of a home that belongs to the policyholder. Since Dewayne was injured and not claiming damages to his dwelling but rather seeking compensation for injuries, this coverage does not apply in this scenario.

D (Pat's Other Structures coverage) YOUR ANSWER

Other Structures coverage insures structures on the property that are not attached to the main dwelling, such as detached garages or sheds. This coverage does not pertain to personal injuries sustained by individuals; it covers property damage, and therefore does not apply to Dewayne's injuries.

Conclusion

In this situation, the appropriate coverage for Dewayne's injuries is found in Pat's Liability coverage, as it is designed to protect against injuries incurred by others on the homeowner’s property. Dewayne's injuries occurred while he was assisting Pat, making Pat's liability insurance the responsible party for covering the costs associated with those injuries. Other options, such as Dewayne's coverage or property coverage, do not address personal injury claims.

Pat's Liability coverage will pay for Dewayne's injuries.

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