What must an insured prove if a claim under Coverage F is made?

When making a claim under Coverage F, which typically relates to medical payments to others, the insured must demonstrate that the incident in question was accidental. This is crucial because Coverage F is designed to provide coverage for medical expenses incurred by others due to accidents occurring on the insured’s property or as a result of the insured's actions.

The requirement for the incident to be accidental is fundamental; it ensures that the costs being claimed arise from unforeseen and unintended events, which aligns with the purpose of such coverage. This stipulation helps to delineate eligible claims from those that may stem from negligence or intentional acts, which are often excluded from coverage provisions.

Other options, while they may seem relevant in general discussions about liability claims, do not pertain directly to the specific requirements of Coverage F. Therefore, proving that the incident was accidental is key to successfully supporting a claim under this particular coverage.