This coverage will pay the cost of medical care to an injured person regardless of negligence or liability. This coverage is usually an extension of coverage found in general liability and automobile policies. Coverage is not available to the insured or residents, and only to members of the public at large. One of the purposes of this limited coverage is to quickly take care of smaller medical bills of injured people so that they do not have to sue you in order to get their medical expenses paid. Larger claims are subject to negligence and if you are negligent, your full limit of coverage purchased under the general liability policy would be available.