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Domestic animals are not covered under the homeowners policy. As it pertains to a liability situation, a dog would be considered 'property' and the homeowners "damage to property of others" provision in the liability section of the policy applies but only if you were the one who injured the dog, usually with a limit such as $500.

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Q: When watching a friends dog it is injured will insurance cover medical expenses?
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Can you get liability insurance for watching dogs in your home for friends or family in case the dog got lost or injured or hurt someone?

Yes - check with your home owner's insurance company and ask for a dog sitting rider for your policy. This would be a very good idea.


What is the workers' compensation commission all about?

Workers compensation is similar to insurance. If someone is injured while on the job the employer has to pay for wages lost while injured as well as medical expenses.


Why do people buy health insurance?

so that if them, or a loved one dies, or is injured, they are not burdened with the medical expenses. to minimise the risk when risk actualy occure.


Will homeowners insurance cover medical expenses to someone living in the home who is not listed as a homeowner?

No. The injured party cannot be a household member. It does not matter if they are not listed on the policy.


Will your homeowner's insurance pay medical expenses if you are injured in a fall in your home?

No, that would be medical insurance. Homeowner's insurance covers things like burglaries and damage to the home. * Homeowner's insurance will pay for injuries to other persons that occur on the owner's property when they find the claim justified.


If a guest were to fall and get injured in my home will my homeowner's insurance cover my guest?

You should check your homeowners insurance policy declarations. But with that said, your policy should have guest medical protection which could range from $500-$25,000 for your guest's medical expenses.


Will your health insurance cover medical expenses if you are injured in a car accident?

As with anything regarding health insurance, it depends. Generally speaking, in an auto accident the question about medical benefits is secondary to providing the best care for the accident victim. After the emergency has passed is the time for figuring out who pays for the medical expenses. Often health insurance is asked to pay first. However, health insurance companies have a program called "subrogation" that seeks to ensure that the responsible party pays for their share of expenses. In the case of a car accident, typically the auto insurance will be primary and should pay medical expenses first. During the process of subrogation the health insurance provider will contact the auto insurance provider and negotiate who should pay the bills. See http://en.wikipedia.org/wiki/Subrogation for additional information.


What is compentancy?

Worker's compensation is insurance coverage for employees to compensate them in case they are injured while performing their job. The employer pays a premium that covers medical expenses and lost wages in case their employees are injured. If these benefits are excepted the hurt employee must release the employer of further liability. The insurance company pays the claim and the employee can no longer sue the employer for the injury.


What kind of health insurance covers you if you are injured on the job?

medical insurance


What happens if a persin is injured in a vehicle and doesnt have insurance?

It's on your car insurance.


If you are injured at work doing something that is not work-related will your medical expenses be covered?

If it is not work related your insurance may cover it but it will be like a regular injury. Example: You get hurt at home and you have to go to the doctor. It would be treated the same!


Will homeowner's insurance cover a vehicle accident for the passenger injured?

NO, that's what the vehicle insurance is for.