One of the most common places to suffer an injury is in the home, either
your own home, or in the home of another person. Depending on the extent
of the injury you’ve suffered in someone else’s home, you
may be unable to work or pay your mounting bills.
Fortunately, after an injury in a person’s home, you have the option
to file a claim against their homeowner’s insurance policy. However,
if you’ve never had to file this type of claim before, you need
to learn about how these policies cover injuries and the level of compensation
you may be entitled to. Learn about homeowner’s insurance and injuries,
and find out why you may need legal representation to win your much-needed
The Restrictions of Liability Coverage
If the homeowner in your case is responsible, their homeowner’s insurance
policy should include liability coverage. Liability coverage is meant
to cover injuries that occur in the home. When you file a claim against
someone else’s policy, this is known as a third-party claim—first-party
claims are made by homeowners against their own policy.
Liability coverage is meant to cover any expenses that result from an injury
in the home. Generally, this includes missed income, medical bills and
occasionally pain and suffering. However, your expenses will only be covered
up to the limit of the policy. If your injuries result in $150,000 of
expense but the policy only covers $100,000 worth of damages, you can
either pay the remaining bills yourself or try to collect the remaining
amount from the homeowner.
It’s also possible that the insurance policy has an umbrella provision
to cover extended damages beyond the liability limit.
Demonstrating Fault in Your Case
Virtually every type of injury that a person can suffer in the home will
be covered by homeowner’s insurance. However, for you to win your
injury claim, you will need to prove the fault of the homeowner. Whatever
kind of injury you’ve suffered, it must be proven that the homeowner
allowed a dangerous condition to persist in their home and that this is
what caused your injuries.
Some types of injuries are automatically eligible for an injury claim and
do not require the injured party to prove negligence. In a few states,
for instance, dog bites come with strict liability. This means that when
someone’s dog bites you, they are liable for your injuries.
The one circumstance when you must file an injury lawsuit to get compensation
is when the homeowner injures you on purpose, as in an assault. Injuries
that were caused intentionally are not covered by homeowner’s insurance,
which is why you would need to file a lawsuit.
Ask an Injury Attorney About Your Claim
To have the best chance of winning your injury claim after you’ve
been injured in someone’s home, you need to hire a lawyer from the
Dunnion Law Firm. Whether you’re having trouble dealing with the homeowner’s
insurance company or are considering filing an injury lawsuit, our attorneys
can help you win the compensation you need to cover your expenses.
Discuss your case with a Dunnion Law Firm attorney today.