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How does personal liability work on a homeowners insurance policy?

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Home Insurance

Hello. My father was working on the roof and fell off from there. His feet are injuried and he will have to sit in the wheelchair for 3 months. I read about Personal Liability in his insurance policy, but I am not clear if this will cover his medical cost. Any information will be helpful. I can’t contact my agency right now, because of the Thanksgiving holiday. My insurance claim department are not licensed to give me any information.
We do not have any health insurance at all. The family is under a great stress because we have no idea how to pay off the medical bill. My parents do not qualify for Medicare because they are not US citizens. Is there any assistance for medical bills for legal citizens?

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