No, You are not automatically liable for an injury that occurs on your property simply because you own the property.
It does not matter if you owned an object or not on which they person was injured.
In order to be held liable you would have to have caused the injury either through direct action or in-action that led to the injury.
They could be in some cases depending on how and why they were injured and what the relationship and residence status is to he named insured. Your homeowners medical coverage is specific to the named insured(s). Generally this is the home owner and resident family members. If someone else was injured on your property due to the insureds direct actions or through the insureds negligence for which you could be held liable then such an injury would be covered under the liability portion of your homeowners insurance policy. Bear in mind though that a homeowner is not automatically liable for an injury on the property simply because you own it. The injury would first have to be demonstrated as the fault of the insured, otherwise the homeowner is not liable.
No, homeowners covers the dwelling. Some policies offer Liability and Medical payments coverage, but only if a guest is injured on the insured property.
No, your medical payments do not apply to resident relatives, only to guests.
No. Your homeowners will only cover personal injury if it occurs on the property listed on the policy.
You should refer to your homeowners policy, liability section. Many policies may have an exclusion for 'tenants' who are injured on the residence premises. Normally, non-trespassers are covered for injury that may occur on your property. Med pay coverage provides medical expense for injured parties. For a serious injury the liability section will consider your negligence (responsibility) for the injury and may or may not provide coverage for the injured person.
any person who is injured on your property which is a fault of the property such as wall falling on them or they trip on a garden path. this would be covered under the property owners liability and usually allows upto £2million
No, your Homeowners Insurance will not. Your Medical Insurance Will.
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.
NO, THAT WOULD COME UNDER YOUR OWN HEALTH AND MEDICAL POLICY. IF A GUEST WAS INJURED ON YOUR PROPERTY, THE LIABILITY OR MEDICAL PART OF YOUR HOMEOWNERS POLICY WOULD LIKELY COVER THE INJURY, PRESUMING THAT YOU AS PROPERTY OWNER WERE LIABLE. AGENT JIM
No You would need to seek coverage under your medical insurance policy for accidental injuries. Homeowners insurance is for property and liabilities that may arise out of home ownership. Home insurance does not replace medical insurance. If you think the property owner is liable through cause of injury, you might seek coverage under their liability if they carry the coverage.
It can be filed under the homeowners insurance as long as the person injury was not injuries in their own home. Homeowners insurance does not cover medical injuries for someone who lives in the house where the injury occurs.
No, That's what your boyfriends major medical insurance policy is for. Your homeowners insurance nor you are liable for injury due to criminal acts.
You have a legal question which would best be answered by a local lawyer where you live. I have no idea what you mean by "Injured." In this state the injury must meet certain criteria before you can sue.
Not if the injury occurred away from the home No. And also not if any crime was involved.
No. Homeowners insurance is "Property Insurance" it does not provide coverage for personal injury to the insured. You should look to your medical insurance for coverage applicable to bodily injury and your life insurance policy for compensation for loss of life.
Homeowners insurance is "Property Coverage". Most home insurance policies only have 500 dollars medical coverage for the named insured which covers minor house hold injuries in and around the house. Some home insurance policies have no medical coverage at all since it's "property insurance". Your home insurance policy does not and can not replace your major medical or health insurance policy. Medical insurance and property insurance are two very different kinds of insurance.
A homeowners policy does not cover and specifically excludes self-motorized vehicles except for lawn mowers used exclusively for maintenance of the property insured. Even in this case the mower is covers if damaged in a covered cause but bodily injury is not a coverage included on a homeowners policy.
Personal Injury ProtectionNo, Personal Injury covers bodily injuries. It would not invoke over a property line dispute.AnswerA confusing question. Homeowners insurance will protect in a general sense for any negligence against an 'insured'. The action brought would need to meet certain criteria under the homeowners policy to trigger coverage - namely an "occurrence" causing bodily injury or property damages - property line dispute is fairly vague - if a fence building on incorrect spot for example - homeowners would coverage damage caused by improper placement of fence (landscaping repairs, etc)
A retaining wall is considered part of coverage B or other structures protection. This coverage applies to structural damage only, and is somewhat limited. If someone is injured (while walking on a retaining wall etc.) certainly the homeowner could be liable for any medical expenses incurred as a result of the injury.
I don't really understand your question as it is written. If the people you are talking about are residents of the household then they are excluded from bodily injury coverage under the policy. Medical Payments and Liability only covers other people, not people who live in your house. The protection is for you in that it protects you from claims of negligence on your part if someone is injured by your actions.
In most states it is a misdemeanor if there is only property damage, and a felony if there is bodily injury.
If a person is riding a bicycle on company property and is injured, it may be an OSHA recordable event. It would be OSHA recordable if:the injury was related to the persons job assignmentriding the bike was part of the jobthe injury required more than first aid in terms of medical attention
No, Homeowners Insurance does not provide personal injury coverage away from the home. You should file an accidental injury claim with your Health / medical Insurance provider.
Homeowners Insurance can not be sued due to a criminal assault.