This provision alone makes Tripoli insurance useless since medical expense is the primary unaffordable loss to most people. Most people can afford to replace a car or even a modest house or outbuilding. But a week in the hospital can easily exceed the cost of a house.
Calvinball.
They are told otherwise about the coverage in casual conversation and very few read the fine print.
Good thing when Jerry designed HPR in 1974-78 as we know it today, and adopted by NAR in about 1984, safety was designed into it and we have a near perfect safety record.