A claim is made under a CGL for a slip and fall injury. Two years later the injured person comes back saying the injury has flared-up. Is the reoccurrence covered under CGL Medical Payments?

A claim is made under a CGL for a slip and fall injury. Two years later the injured person comes back saying the injury has flared-up. Is the reoccurrence covered under CGL Medical Payments?

• A. Yes, expenses are covered because of proximate cause.
• B. No, slip and falls are not covered under Medical Payment coverage
• C. Yes, expenses are covered within three years of the injury.
• D. No, expenses are covered within one year of the injury.

Answer: (D)

Medical Payments under a CGL is a no‑fault coverage that pays reasonable medical expenses for injuries caused by an accident, but only if those expenses are incurred within a limited time, typically within one year of the accident. If the injury flares up two years later, those medical expenses fall outside that one‑year window, so they aren’t covered by Medical Payments. The one-year limit controls coverage, not the fact that the same injury is involved.

Medical Payments under a CGL is a no‑fault coverage that pays reasonable medical expenses for injuries caused by an accident, but only if those expenses are incurred within a limited time, typically within one year of the accident. If the injury flares up two years later, those medical expenses fall outside that one‑year window, so they aren’t covered by Medical Payments. The one-year limit controls coverage, not the fact that the same injury is involved.