What type of coverage allows an injured person to submit medical bills to a property owner's insurance company?

The correct choice is medical payment coverage. This type of insurance is specifically designed to cover medical expenses for injuries sustained by individuals on a property, regardless of who is at fault. When an injured person submits medical bills to a property owner's insurance company, this coverage ensures those expenses are addressed quickly and efficiently, promoting prompt medical care.

Medical payment coverage is not concerned with determining liability, which distinguishes it from other insurance types, such as liability protection coverage, which is focused on covering damages for which the property owner may be held responsible. By providing coverage for medical expenses directly, it enhances safety and reassures visitors that they will have access to necessary medical care without needing to establish fault.

Property damage coverage and enhanced property protection do not apply in this context; they relate more to damage to the property itself rather than personal injuries sustained by individuals. Understanding the nuances of these coverages is essential for both property owners and potential claimants in navigating insurance claims effectively.