Which of the following statements regarding Section II coverage under the Homeowners 3 policy is true?

A) Medical payments to others are covered regardless of whether the insured is legally liable.

B) Legal defense costs incurred by the insurer to defend the insured reduce the per-occurrence limit of liability available.

C) The insurer is not required to defend the insured against a groundless, false, or fraudulent lawsuit.

D) Any amount paid under medical payments coverage reduces the personal liability limit available for the same claim.

Answer: A) Medical payments to others are covered regardless of whether the insured is legally liable.