HOMEOWNERS INSURANCE INJURED AT FAMILY MEMBER’S HOUSE
Our lawyers frequenyly receive calls from people saying, ‘a relative fell or was injured at my house’ and ‘it was my fault.’ They want to help, and they want to know if their homeowner’s insurance will cover the accident.The answer in many cases is yes.Homeowners insurance will cover anyone injured in an accident while visiting your house. There will be coverage even for a close relative like a child, parent, or sibling. The only exception is it will not apply to family members who live with you.
Our Minnesota personal injury attorneys have handled dozens of accident cases where someone was injured in an accident at a relative’s house.We have had cases where a relative fell down the stairs or slipped and fell somewhere on the property. Our lawyers have had many cases where a dog bit a family member or injured a relative by knocking them over.Other cases include injury because of a defective machine at a relative’s house, deck collapse, propane gas explosion, and many others.
HOMEOWNERS INSURANCE PAYS MEDICAL BILLS AND MORE
As a starting point, most homeowners insurance policies have medical payment coverage.This will automatically pay a limited amount of medical bills (usually about $5,000), without even proving fault. Then, most homeowners policies come with liability insurance. Liability insurance pays compensation for injuries caused by the homeowner or relatives living in the home. The accident doesn’t even have to have occurred in the home. For example, we have had many cases where a child injures another child at school or the park.Homeowners insurance will cover the child’s liability.
No one wants to sue their own family. However, there can be significant medical bills and lost time from work.That is a reason people have homeowners insurance. When responsibility is clear, there is rarely a lawsuit. In most cases, our lawyers are able to settle the case directly with the insurance company.
If you are injured at your parents’ house, or your brother or sister’s or other relative’s house, and have questions about homeowners insurance for medical bills and other compensation, call us and speak with a lawyer for a free consultation.We will answer your questions and make sure your interests are protected. We have offices where you can meet an attorney in Minneapolis, Edina, and Woodbury. However, we take cases throughout MN and will come to your home or meet over Zoom.