Does Homeowner’s Insurance Cover Bodily Injuries?
Accidents happen – this, we know. If someone is injured in an accident in your home or elsewhere on your property, the liability provision contained in your homeowner’s insurance will generally cover the personal injury claim that ensues. Personal injury claims are nothing if not complicated, and the financial consequences can be extremely serious. If someone’s been injured on your property, it’s time to consult with an experienced personal injury attorney.
Your Injury Liability Coverage
The liability coverage you carry through your homeowner’s insurance policy should cover the full extent of injuries the injured party sustains on your property – up to your policy limits. Such injuries may include:
- The injured party’s medical expenses
- The injured party’s lost wages
- The injured party’s pain and suffering
In most cases, personal injury claims are settled for an amount that does not exceed the insurance policy’s limit.
If the Claim Exceeds Your Policy’s Limits
If the accident that occurs on your property is especially serious, the settlement could exceed your policy’s liability cap, and you could be on the hook for the overages. Your insurance policy, however, may have what is called an umbrella provision in place that allows you additional financial protection in just such a situation. All told, it pays to have more robust homeowner’s insurance in the first place. While your premiums will likely be a bit higher, you’ll have the peace of mind that comes from knowing you’re covered if a problem does arise.
If the personal injury case that stems from the accident that took place on your property doesn’t settle, it may proceed to trial, which means you’ll need experienced legal representation. As a property owner, you are responsible for keeping your home and surrounding property in reasonably safe condition, for making adequate repairs as they relate to safety, and for warning your invited guests about any unsafe conditions that you are aware of.
Your responsibility extends to handling safety issues reasonably – in a manner other reasonable property owners would. Your responsibility is not absolute. A knowledgeable personal injury lawyer will aggressively advocate for your rights in the matter and for an outcome that protects those rights.
If Someone Has Been Injured in Your Home, You Need an Experienced Panama City Personal Injury Lawyer on Your Side
If someone has been injured while on your property, it’s time to consult with an experienced personal injury lawyer. You, of course, never intended to harm anyone and, if you keep your property in good repair, you may have concerns about how the victim was injured in the first place.
The dedicated personal injury attorneys at Ged Lawyers, LLP – proudly serving the Panama City area – are here to help. If you are responsible for the injuries sustained, your homeowner’s insurance policy should cover the damages, and if there is any question about liability, our experienced personal injury attorneys are committed to doing the legwork necessary to get to the bottom of the matter. We’re here to help, so please don’t hesitate to contact us online or call us for more information at 561-562-4170 today.