Which coverage would provide compensation for injuries sustained while an insured is volunteering at a community event?

Medical Payments Coverage is the correct answer because it is designed to cover medical expenses for injuries sustained by others, regardless of fault, in situations where the insured is responsible. This includes incidents occurring during community events where the insured is volunteering. If a volunteer is injured while performing their duties, this type of coverage would typically address the immediate medical costs, demonstrating the protective aspect of the policy for individuals engaged in volunteer services.

Personal Injury Coverage generally protects against claims of defamation or similar non-physical injury, Liability Coverage pertains to protecting the insured against claims of physical damage or bodily injury inflicted on others, and Property Damage Coverage specifically deals with damage to someone else’s property, none of which directly cover medical expenses for injuries sustained by the insured while volunteering. Thus, Medical Payments Coverage is tailored to address the needs arising from such situations effectively.