Home Injury Liability Claim: Excluded Injuries And Requirements

If you are injured in someone's home, the home insurance should compensate you just as car insurance provides compensation for car accident injuries. Like car insurance policies, home insurance policies also exclude some injuries. You also need to know how to present your claim for the best chances of compensation.

Excluded Claims

Homeowners insurance doesn't cover all injuries; here are some of the excluded ones.

Intentional Injuries

If a homeowner intentionally causes you injury, you have to seek compensation elsewhere since home insurance doesn't cover intentional injuries. Say you were making a delivery, and you get into a fight with the homeowner—their home insurance won't pay for your injuries.

Injuries Related To Business Activities

Home insurance also excludes injuries that may arise in the course of commercial activities. For example, if someone runs a home bakery and you are injured in a fire caused by their oven, home insurance won't pay for the damages.

Car Accidents

If you are injured in an auto accident, it is the car insurance, and not home insurance, that pays the damages. This is the case even if the auto accident occurs in a residential home. For example, if a homeowner knocks you down with their car while backing out of a garage, it is their car insurance policy and not their home insurance policy that will compensate you.

Injuries to Household Members

Lastly, home insurance policies also exclude injuries that occur to household members. Thus, if you are living with your grandparents and their dog bites you, don't expect compensation from your grandparent's home insurance policy.

Prerequisites for Claim Filing

Despite the above exclusions, home insurance still pays for numerous injuries in residential homes. If you have been injured in someone's home, consult a personal injury attorney for help with figuring out if you have a valid claim. If your claim is valid, you will need the following things (among others) to proceed.

Description of the Accident

You need to describe the accident so that the insurance company and other related parties can confirm that you were indeed injured at the home. Relevant details the description should capture include the date, time, and exact location of the accident. For example, if the home has two exterior doors and you were injured at the backdoor, put it in the description.

Description of Injuries and Damages

You also need to describe the nature of your injuries and damages. Describe whether you sprained your ankle, sustained cuts and lacerations, or broke your wristwatch, and so on. These descriptions will form the basis for the monetary valuation of the damages you are seeking.

Identities of Witnesses

Lastly, you also need to have the identities of witnesses who can verify your story. Did the neighbor see the accident? Were you accompanied by a friend or a relative when you got injured? Include the names and contacts of these witnesses to strengthen your claim.

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