Which of the following statements regarding Coverage F - Voluntary Medical Payments is false?

The statement that is identified as false—regarding Coverage F - Voluntary Medical Payments—addresses a key aspect of how this coverage operates. Coverage F is designed to provide prompt payment for medical expenses incurred by others due to accidents involving the insured, without the necessity of establishing fault.

The correct understanding is that Coverage F does not typically extend to injuries resulting from uninsured motorists. This is because such incidents generally fall under different coverage provisions, like Liability or Uninsured Motorist coverage, rather than Voluntary Medical Payments. The essence of Coverage F is to facilitate immediate assistance for medical bills, reflecting the intent to prevent delays in necessary treatment for those injured on the insured's property or due to their actions.

The other statements are accurate reflections of the scope of Coverage F. It indeed covers medical payments for injuries to guests in insured premises, allows for medical expense coverage when traveling outside Canada, and importantly, it does not require any legal action to be initiated against an insured party to trigger this coverage. This makes Coverage F particularly favorable for ensuring that the injured parties receive timely support without the complexities of legal processes.