What You Need to Know About Homeowner’s Insurance and Injuries

When you’re visiting someone’s home, you expect to have a fun, stress-free time. Unfortunately, the home is the most common place a person can be injured, which means you need to learn your legal options after you’ve been injured at another person’s home.

Any personal injury can be serious, often leading to large medical bills and an inability to work. If you’ve been hurt at someone else’s home, your best option to support yourself is to file a claim against their homeowner’s insurance. Here’s what you need to know about homeowner’s insurance and personal injuries, and information for hiring an Odessa injury attorney for help with your case.

Liability Coverage and How Much It Pays

When an injury occurs in the home, it is generally covered by the liability coverage of the homeowner’s insurance company. Liability coverage can be used to pay for medical expenses, lost wages and any other damages that have resulted from your personal injury. However, the amount of compensation that you receive will depend on the coverage limits of the insurance policy.

If the insurance policy of the homeowner involved in your case has a liability limit of $100,000, that’s the maximum amount you will be able to receive. It’s possible for an insurance policy to have an umbrella provision for extra coverage, but this is not always the case. Should your personal injury expenses exceed the homeowner’s liability coverage, you will have to pay them yourself or seek compensation through a personal injury lawsuit.

Examining Negligence in Your Case

The majority of injuries that you could suffer at another person’s residence will be covered by their homeowner’s insurance policy. However, to receive your compensation, you will almost have to prove negligence on the part of the homeowner. For example, you could seek to prove that the homeowner violated their responsibility to keep you safe by failing to maintain their home and that this directly lead to your injury.

Not every personal injury case involving homeowner’s insurance requires proving fault. A handful of states have strict liability dog bite laws. When you’re bitten by a dog in one of these states, the homeowner is automatically liable and their insurance will cover your injuries.

An unfortunate exception when it comes to homeowner’s insurance is when your injury is caused intentionally. If you visit someone’s home and they assault you, for instance, this would not be covered by their liability coverage. To get compensation after an intentional injury, you would need to hire an Odessa injury attorney and file a lawsuit.

Ask Robert White About Your Injury

Knowing how to proceed after being injured at someone’s home can be extremely difficult. This is especially true if you’re having trouble filing a claim against their homeowner’s insurance. To make sure you get the compensation you deserve after a serious injury, you need to consult with an Odessa injury attorney such as Robert White, Attorney at Law.

Whether you work with Robert White or one of the other knowledgeable attorneys at Child, Bishop & White, PC, you’ll be getting the legal representation that you need to win your claim.

Ask Robert White today about how he can help with your claim.

Robert WhiteWhat You Need to Know About Homeowner’s Insurance and Injuries

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