We all know that sometimes accidents that lead to injury can occur anytime and anywhere. Occasionally, these injuries will take place at the home of someone else, or the accident occurs from their property. This is never a good situation to be in for the person injured or the homeowner. The good news is, this is one of the purposes of homeowners insurance.
If there is a time you are injured on another person’s property, it is important to understand how to file a claim against someone else's homeowners insurance. Homeowners who have taken the responsibility of having liability coverage at their home and property are well prepared. The main purpose of liability insurance is to make sure any medical expenses are taken care of due to an injury. In cases of extreme injury, insurance could also cover any lost income that occurs.
If there is a time you are injured on another person’s property, it is important to understand how to file a claim against someone else's homeowners insurance. Homeowners who have taken the responsibility of having liability coverage at their home and property are well prepared. The main purpose of liability insurance is to make sure any medical expenses are taken care of due to an injury. In cases of extreme injury, insurance could also cover any lost income that occurs.
What Liability Insurance Covers
To understand what homeowners or renters insurance covers in a liability situation, let’s discuss several types of accidents that can occur. Statistics tell us that for every 100 claims filed on homeowner insurance, one will be a liability claim. This may not sound like many, but with over 3.5 million insurance claims filed each year, this adds up to over 35,000 liability claims in the U.S. Without homeowners coverage these owners could find themselves in financial trouble if someone is injured on their property.
Some of the injuries that can take place are wide-ranging. Examples are a slip and fall on someone’s property, a homeowner’s tree falling onto your property and hurting someone in your family, a dog bite by a neighbours dog, or any other time a homeowner has been careless.
Some of the injuries that can take place are wide-ranging. Examples are a slip and fall on someone’s property, a homeowner’s tree falling onto your property and hurting someone in your family, a dog bite by a neighbours dog, or any other time a homeowner has been careless.
How to File a Claim
When it comes to how to file a claim for homeowners insurance due to personal injury, there are a few steps to remember. The first is to ask the homeowner to let the homeowner know that you were injured and ask them to notify their insurance company. This isn’t always the first thing you think about when injured, but you or someone representing you needs to make this notification to the owner. Next is to ask for the homeowner’s insurance company’s name and a phone number. If you feel uncomfortable doing this, just let the homeowner know it is easier for the insurance company to answer your questions than to convey them through the homeowner. Gathering the information is important in case the homeowner ignores your accident and decides not to assist in your recovery financially.
Gather Proof of Injury
Most liability injuries don’t end up in court, but you must assume that it might happen. Part of how to file a claim against someone else's homeowners insurance is knowing you may need to prove your case at some point in time. There are some steps you can take to make sure you have the evidence you need in the event someone tries to claim the injury did not take place. If involved in an injury that needs to be filed on someone else’s homeowners insurance gather the following information. Take photos of the scene of the injury as soon after the injury as possible. Have any witnesses write down what they saw before, during, and after an accident. Insurance cases can take time to settle. The longer a claim takes, the easier it is to lose witnesses that can be of value to you.