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July 30, 1949


JAMA. 1949;140(13):1115-1117. doi:10.1001/jama.1949.82900480003023

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Medical Payments Coverage. By Ambrose Ryder. Casualty & Surety J. 9: 13-19 (May) 1948.

The introduction of third party medical payments coverage into third party legal liability policies has secured much good will for the casualty insurance companies, particularly in regard to automobile liability. Previously, the insured was protected against claims brought by injured parties, but he was unable to collect in the case of injuries to his own person or that of his wife, child or guest. The case of a lawsuit by a guest was particularly difficult since the insured became torn between his loyalty toward his friend and his obligation under his policy to cooperate with the insurance company in defense of all claims. The solution to these difficulties lay in a policy that would automatically pay for injuries to all passengers in the automobile. Since there already was a precedent for coverage of this nature in

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