If you get hurt at someone’s home, you could be eligible for compensation. However, many accident victims don’t know that. They’re not sure how to go about getting their money. They may not even know that a homeowner’s insurance policy even covers injuries like theirs.
What Does Homeowner’s Insurance Cover?
When most people think of homeowner’s insurance coverage, they think of damage to the home itself. Homeowner’s insurance does cover fire damage, theft, and certain kinds of damage from inclement weather.
However, that’s not all a policy covers. A homeowner’s insurance policy protects the policyholder from the financial consequences of an event involving the home. That doesn’t just mean damage to the house or to the land around it. It also means costs that arise when an accident leaves a visitor injured.
When an accident results in an injury, the homeowner’s insurer may cover the damages that result. You start by pursuing a claim against the homeowner. The insurer defends them and pays the claim, up to the policy limits.
In your claim, you will seek compensation for damages your accident caused. These damages include your injuries, the cost of your medical care, and the income you lose out on while you’re not able to work.
What Factors Determine If You have a Homeowner’s Insurance Personal Injury Claim?
To pursue a personal injury claim against a homeowner’s insurance company, you can’t be the policyholder. You can’t be a resident of the home, unless you are considered a renter and are pursuing a case against the landlord. You must also be on the premises legally.
You can only pursue a claim if the homeowner or a resident of the home caused your accident. A negligent property owner who allows a safety hazard to put visitors at risk is liable for the injuries that result. In some cases, a homeowner’s insurance policy may also cover accidents that occur elsewhere but that result from a policyholder’s or resident’s negligence.
To have a claim, you must have documented damages. Your physical injuries must be described in your medical records.
If you don’t get hurt or you don’t see a doctor, then you don’t have a case – no matter how bad the accident could have been.
Should You Hire an Attorney at Console & Hollawell for a Homeowner’s Insurance Injury Claim?
If you have a claim, then you might want to get a New Jersey homeowner’s claim lawyer to help you through it. Insurance companies are reluctant to pay out claims to begin with, but a personal injury claim against a homeowner’s insurer is particularly complicated.
There are a lot of ways you could mess up your claim without even knowing it. You could fail to see a doctor. You could give the insurance company too much information. You could even ruin your claim by waiting too long to take action. A lawyer can handle the legal aspects of your case for you, investigate the situation, gather evidence, and fight for the money damages you deserve.
by Richard P. Console, Jr. | Dec, 2016
Author: Richard P. Console, Jr.
Source: Internet Brands, Inc.
Retrieved from: www.blogs.lawyers.com