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I was hurt on someones property. Can I sue their homeowners insurance?
Wiki User
∙ 15y ago
Technically, you do not sue the insurance company. You sue the homeowner on the basis of what the owner may have done to cause the injury. The insurance company is there simply to pay the damages awarded to you by the jury.
Wiki User
∙ 15y ago
Wiki User
∙ 9y agoNo, You would have to sue the homeowner. The insurance company was not a party to your injury.
Many people make this fatal error, they sue the insurance company either in tandem or in stead of the actual homeowner. Either way though the law suit would be summarily dismissed for improper filing and due to tort reform, you may now even owe the court costs and attorney fees for both parties since it was your error.
Bear in mind that a homeowner is not liable for any and all injuries that occur on their property.
You would have to prove that the homeowner caused your injury in order to win a judgment against the homeowner. The homeowners Insurance company will pay for the cost of their insured's legal defense team. If you win a judgment, then their homeowners insurance ( If they have insurance ) would respond to pay the judgment.
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Your roommate hurts himself on your property is he coverd by homeowners insurance?
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No, That's what your Major Medical or Health Insurance policy is for. Homeowners Insurance is "Property Insurance". The very, very small amount of medical coverage offered on most home insurance policies is for accidental injuries to others while on your property.
Do you need commercial insurance for plowing driveways?
Yes you will need commercial insurance. Just in case you are working and you hurt someone or damage someones property.
Does home owners insurance cover accidental falls?
It depends on the circumstances. Most homeowners insurance policies will cover some of the medical expenses if a person falls and gets hurt on the homeowners property, but only if the homeowner was negligent.
Does home owners insurance cover a person getting hurt on your property?
Yes, if you carry liability insurance on your homeowners policy and you are found liable for an injury to another while on it your insurance company would respond to a notice of loss.
Does home owners insurance cover an individual if they are helping someone and get hurt in the process?
No, homeowners insurance is not a replacement for health insurance.
If someones child gets hurt on someone elses property who has to pay the charges?
Medical insurance covers accidental injury. It does not matter where your child gets hurt. Simply being the owner of a property does not automatically make one liable for everything that occurs on the property. If you feel the property owner was the cause or somehow responsible or otherwise liable for your child's injury you could file a suit against the property owner.
Will my homeowners policy provide coverage for roofing contractors?
The liability coverage on your homeowners policy will protect you from anyone that is hurt on your property and tries to sue you. As for the roofing contractors, you would need to make sure they are licensed and bonded themselves so any damage they cause will be covered. If you are looking for a roofer, do not hire anyone who does not carry their own business liability policy. I am an insurance agent and this answer is based on my knowledge of insurance and claims, but you can go to the following website to read frequently asked questions on insurance quotes and claims. This is the website I found additional answers for your question: http://www.insurancequotesfaq.com/homeowners-insurance/homeowners-insurance-2126.html
Does your insurance cover you the owner if im hurt on your own property?
Does_your_insurance_cover_you_the_owner_if_im_hurt_on_your_own_property
Can you sue your insurance company if you get hurt by your car?
No you'd have to file your loss notice with the company that insures your car or your medical insurance policy. Homeowners Insurance policies provide no coverage for the automobiles.
Can you sue your own home owners ins if you fall on the ice and break a rib?
Homeowners insurance is not set up to pay for your medical bills. Generally, your policy will have coverage for medical payments to OTHERS if they get hurt on your property, due to your negligence or the existence of unsafe conditions.
Does my homeowners insurance cover another person if they are hurt on someone else's property?
there is no way to answer this, it depends on many many things...what are the circumstances? how was the person injured? what are their injuries? etc etc etc...were you negligent in anyway or not? there are two different coverages that could apply medical payment, and general liab. the only certain in this question/answer is they will not pay more than the policy limit of liablity/med pay that you purchased on your policy...sorry just not enough info........
