Homeowner’s insurance covers bodily injuries and property damage that is the result of negligence. This means that you will be covered, if someone else injured or damaged your home or car while committing a crime on your property. If you are being sued for personal injury in an accident that happened on your property, your homeowner’s insurance policy will likely provide legal defense at no additional cost to you.
Being sued for personal injury is scary. You could lose your home or other assets if you don’t have the right insurance coverage. Luckily, most homeowner’s insurance policies cover some of these types of cases.
The most common personal injuries covered on a homeowner’s policy are:
● Property damage caused by natural disasters (such as hurricanes and earthquakes)
● Bodily injury caused by an accident involving another person’s property (such as slipping on ice)
● Medical expenses related to any injuries sustained in an accident or lawsuit
● Some policies cover civil lawsuits for defamation, libel, malicious prosecution and other personal injuries that do not involve accidents.
Most policies cover negligence claims and some intentional tort claims.
If you’re injured as a result of someone else’s negligence, your policy will pay for medical treatment and other expenses related to your injuries. To be covered by homeowner’s insurance, however, it must be proven that the person responsible for your accident was at fault. In other words: if someone hits your car with their truck and causes an accident but doesn’t hit you intentionally (or does so unintentionally), then this isn’t considered “negligence.”
Involuntary torts are another story altogether—and not covered under most homeowners’ policies even when they occur on private property (like a neighbor’s driveway).
Liability is a legal obligation to pay damages caused by negligent acts or omissions to others.
It pays for the costs associated with your personal injury or property damage claims, including medical expenses and lost wages as per personal injury lawyer in Spruce Grove.
Liability coverage varies by policy and may be required by law in some states. Your homeowner’s insurance policy should include liability protection as part of its regular homeowners’ coverage—but it will not cover all possible losses resulting from injuries sustained on someone else’s property or by another person’s actions while visiting your home.
Certain types of intentional torts are not covered under homeowners’ insurance policies.
These include assault, battery and false imprisonment. These are intentional acts that can cause physical harm to another person and the insured is at fault for causing the injury (i.e., they have a duty to take reasonable steps to prevent harm). It would be very difficult for an injured victim to prove that the insured was not at fault in causing their injury since proof of liability means proving who did what wrong, which may be difficult when there was no confrontation between two people until after the accident occurred.
If you are being sued for personal injury in an accident that happened on your property, your homeowner’s insurance policy will likely provide legal defense at no additional cost to you. Although it doesn’t cover everything when it comes down to paying for your attorney fees after an accident occurs—that’s what we’ll talk about next!
To avoid being taken out of pocket by an accident or lawsuit that results from negligence on your property, you should check your policy. If something is missing or wrong with it, then it’s time to contact an attorney who can help you evaluate your options before making any decisions about filing a claim or negotiating with the company who caused the problem.