Homeowners' Personal Liability
Personal injuries often occur in and around the home, and even a minor mishap can leave you with a mountain of medical expenses while preventing you from working or engaging in other activities. If you or your children are injured while visiting a friend or neighbor’s home, you may feel awkward about filing a claim for the damages you suffered. In these situations, homeowners’ personal liability insurance policies are likely to cover the costs your neighbor would be liable for and can help ensure you get the compensation you need to recover.
Common Types of Household Injuries
According to statistics from the Centers for Disease Control and Prevention (CDC), roughly 30 million people in the United States are victims of unintentional injuries each year. Those that occur in and around the home are among the most common. While usually attributed to being ‘accidental’ in nature, they are often the result of negligence on the part of the homeowner. Among the most common types of injuries include:
- Slips, trips, and falls
- Being struck by or against an object
- Burns caused by contact with hot surfaces or flames
- Severe cuts and lacerations
- Accidental poisonings
- Animal bites and attacks
- Suffocation, due to choking or drowning
It is crucial for homeowners to be aware of their responsibilities and to stay up to date on home repairs and household tasks. This includes restraining pets when there are visitors on your property, replacing worn flooring materials or uneven paving stones, making sure all fixtures are securely attached, providing fencing for pools and other outdoor areas, and trimming low hanging tree branches and removing yard debris. Failing to do so could result in liability if someone is injured while on your property.
Compensation for Injuries That Occur at a Neighbor’s Home
If you or your child is injured while visiting a neighbor or at a friend’s home, you may be hesitant to seek compensation. Be assured that in most cases, homeowners’ personal liability insurance policies will cover any damages you suffer. Allstate advises that most policies provide the following benefits for people who are injured as the result of the homeowner’s negligence:
- Medical expenses, such as doctor or emergency room visits, medications, and physical therapy
- Lost wages, and future losses in earnings if your injury results in disabilities
- Pain and suffering, which includes compensation for scars and disfigurement
- Death benefits, in the event any injuries suffered prove fatal
Get Help Today
If a settlement agreement cannot be reached with the insurance company or if your claim is denied, homeowners’ personal liability policies will generally cover any legal costs the property owner incurs as the result of a lawsuit. To find out more about your rights in filing a claim in this type of case, contact Anastopoulo Law Firm. We have seven offices throughout the Lowcountry and Upstate to serve you, so call or contact us online and request a free consultation to discuss your claim with our South Carolina personal injury attorney today.