Voluntary Medical Payments coverage pays reasonable medical expenses in the year after an accident when you unintentionally injure another person or if they are accidentally injured on your property - even though you are not legally liable.
Voluntary Property Damage Payments coverage covers unintentional direct loss or damage you cause to somebody's property - even though you are not legally liable. It can also cover loss or damage to someone else's property caused intentionally by a minor child (12 years of age or under) in your care.
You don't have to be legally liable to use either of these coverage options, and there is no deductible.