Injured At Someone’s Cabin – MN Lawyers

WHO IS RESPONSIBLE FOR MEDICAL BILLS COMPENSATION FOR INJURY AT CABIN?

If you are injured at someone’s cabin in Minnesota, they most likely have homeowner’s insurance that will cover your medical bills and other compensation.  Our accident injury lawyers have represented many people injured in an accident at a friend or family member’s cabin throughout Minnesota.  We have worked on cases involving a boat accident, dock accident, ATV accident, and many others.

There are a number of complicated issues that can come up if you are injured at someone’s cabin. For example, the cabin owner’s insurance will include a limited amount of basic medical coverage. The basic medical coverage will pay regardless of fault.  However, that amount is limited, usually to $5,000 or less. After that, there is only responsibility for the cabin owner and their insurance if they were at fault in causing the accident, and if you were not more at fault.

Injured at Cabin Insurance Compensation Lawyers MN
Injured at Cabin Insurance Compensation Lawyers MN

CABIN OWNER’S INSURANCE MAY COVER ACCIDENT INJURY

Some activities at a cabin have a natural risk.  If you engage in those activities, you may assume some risk of injury. In those cases, the owner is less likely to be responsible if you are injured.  On the other hand, if the cabin owner enlarges the risk, they may be responsible and their insurance will have to pay compensation. One simple example of this is water skiing.  If you water ski, you assume the risk that you will fall and get hurt. However, if the driver of the boat drives you into a dock, that is another story, and something the driver is responsible for.

Issues also come up with respect to insurance coverage or exclusions for family members, over-serving alcohol, etc. For example, there may be insurance coverage for a visiting family member, but not for a family member who lives with the owner. Some people are hesitant to make a claim because they don’t want to sue their family member or friend who owns the cabin. This is understandable. At the same time, however, if the injury is serious, there may be extensive medical bills and future needs.  That is what insurance is for.

If you have been injured in an accident at a friend’s cabin in MN, call us and speak with a lawyer for a free consultation.  We will explain the legal issues to you and make sure your rights are protected. Our personal injury lawyers have more than 25 years’ experience successfully representing people throughout Minnesota.