does my liability insurance cover someone going through a sliding glass door and their medical? Loss of wages?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 7, 2012

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Insurance Question from Pacific Beach, CA

Asked on 06/07/2012

does my liability insurance cover someone going through a sliding glass door and their medical? Loss of wages? NULL

Answer given on June 17, 2012

If someone is injured at your property, your homeowner insurance policy will defend you for the injuries. If it is determined you were negligent, or responsible for the injuries your policy will pay for the injuries as determined. There is no deductible for this portion of the homeowner policy.You also have medical payments coverage which you can use to pay for injuries even if you were not negligent or responsible. This coverage also does not have a deductible, but the coverage is lower, usually between $1,000 to $10,000 per person. Your liability coverage is a higher limit, starting at $100,000 and can be as high as $1,000,000. This is used only when you are responsible for the injuries. Your insurance company will investigate and determine if you were negligent or not. Even if your insurance company denies payment under this part of the policy, if the injured party sues you then your insurance cmpany must defend you and pay any amount determined in court.

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