Personal Liability Coverage. We will pay those damages which an insured becomes legally obligated to pay because of bodily injury or property damage resulting from an occurrence. At our expense and with attorneys of our choice, we will defend an insured against any suit seeking damages covered by this Personal Liability Coverage. Our obligation to defend a suit seeking covered damages ends once we have paid the applicable limit of insurance. We may investigate and settle any claim or suit seeking damages as we deem appropriate. Medical Payments To Others We will pay reasonable medical expenses for necessary medical services furnished to a covered person for treatment of bodily injury, which are provided within 3 years from the date of an occurrence. A reasonable medical expense means the usual and customary expense for the necessary medical services. Necessary medical services are limited to necessary medical, surgical, dental, x- ray, ambulance, hospital, professional nursing and funeral services. Necessary medical services do not include treatment, services, products or procedures that are experimental in nature, or not commonly and customarily recognized throughout the medical profession and within the United States as appropriate for the treatment of bodily injury. Covered person means:
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