Homeowners Insurance and Personal Injury Claims: What's Covered and What's Not

Every homeowner is required to carry homeowner's liability insurance, and for good reason. With this type of coverage, you're covered in the event someone suffers an injury while on your property and subsequently files a personal injury claim.

Of course, there are some exclusions to most coverage plans, so it is important to understand exactly what's covered and what's not.

Here, our personal injury attorney in Shallotte NC explains.

What Does Injury Liability Coverage Pay For?

In the event that someone suffers an injury on your property, the injury liability portion of your homeowners insurance will kick into effect and cover all of the injured individual's losses, such as lost income, medical bills, pain and suffering, and any other damages caused by the injury. The policy will continue to pay up to the limit of your coverage.

In the event that the injury is extremely serious and the damages exceed your policy's coverage limit, then you may be responsible for the overage. This is rare, however, and even should this occur, some policies have "umbrella" provisions in place that will then engage to provide additional protection. Contact your insurance provider to find out exactly how much you're covered for and whether or not your policy includes an umbrella provision if ever necessary.

What Won't Injury Liability Insurance Cover?

Most accidental injuries will be covered by your homeowner's injury liability coverage. But, if the injury was caused by an intentional act on your part, then you will most likely find yourself without the protection of your insurance policy in the event that you are sued.

Does the Injured Party Have to Show Proof of Negligence?

In most accidental injury cases, the injured party will have to show that you somehow failed to exercise reasonable care in keeping your property safe and free of hazards. But, there are some instances where proof may not be required. An example of this is an injury that's caused by a dog bite. In North Carolina, the law states that “the owner of a dangerous dog shall be strictly liable in civil damages for any injuries or property damage the dog inflicts upon a person, his property, or another animal.”

Injured While on Someone Else's Property? Call The Rodzik Law Group Today

If you recently suffered an injury as a result of a homeowner's negligence, contact The Rodzik Law Group's personal injury attorney in Shallotte NC today. We will look at your case and help you determine if you have the right to seek damages.

At The Rodzik Law Group, we're committed to our clients and we will work tirelessly on your behalf until you get the justice and compensation you deserve. And, you don't pay us unless we win your case.

Contact The Rodzik Law Group today at 910-762-1199 to schedule a free initial consultation.