Which coverage does not require the insured to be legally liable for a loss?

The correct choice indicates that both Medical Payments to Others and Damage to Property of Others do not require the insured to be legally liable for a loss.

Medical Payments to Others covers medical expenses for individuals who are injured on your property, regardless of whether you are legally at fault for the incident. This type of coverage is designed to ensure that those injured receive prompt medical attention without the need to establish liability. It reflects a goodwill approach by the insured to cover medical costs for others, thereby promoting a supportive environment for visitors.

Similarly, Damage to Property of Others provides coverage for damages incurred to someone else's property without necessitating that the insured party be legally liable for those damages. This coverage usually applies in situations where the insured accidentally damages property that does not belong to them, relieving them of the burden to prove fault before assistance is given.

These two coverage options are distinct from Liability Coverage, where the insured must be proven at fault or legally responsible for the damages or injuries sustained by others before coverage applies. The essence of the correct choice lies in the fact that it emphasizes coverage that extends support and relief without requiring a legal determination of fault, ensuring prompt assistance in various situations.