Additional Insured Is Non-resident Relative

May 2, 2016

The insured's father cosigned the mortgage and was placed on the policy as an additional insured per form HO 04 41. He did not reside with the insured. The insured's father was helping the insured remodel a porch deck when he fell and was injured. HO 04 41 makes the father an additional insured, and the med pay exclusion precludes coverage for an insured. However, since the father did not reside with the insured, does med pay coverage apply?

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