does my liability insurance cover someone going through a sliding glass door and their medical? Loss of wages?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Jun 7, 2012
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
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.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.