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The Fund will pay on behalf of the insured, unless coverage is excluded, all sums (up to the policy limits) which the insured shall become legally obligated to pay to a third party as damages because of personal injury or property damage caused by an occurrence.  In addition, the Fund will pay all defense costs; reasonable medical expenses (limited to $1000 per person); and premiums on appeal bonds and attachment bonds.

Coverages are written on an “occurrence” policy form.