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: Mar 21, 2014

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Insurance Question from Lathrup Village, MI

Asked on 03/21/2014

i fell in my basement . injured my knee . can i receive reimbursement for lost wages NULL

Answer given on April 03, 2014

In homeowner insurance there is coverage for the property owner if someone should fall and be injured. The liability portion of the policy covers these injuries under the medical payments portion of the policy. These limits range from $500 to as much as $10,000. If there is negligence by the homeowner, such as a known broken handrail, uneven pavement or similar situation, the liability portion of the policy, which ranges from $100,000 to $500,000 would defend the homeowner and pay any settlement determined by the insurance company or the court.This insurance coverage is for guests or visitors to the property. It does not cover the homeowner or a family resident of the home. If you are injured in a fall in your own home, you would need to turn to your medical insurance to take care of the injury. You cannot sue yourself, so your insurance company would deny any coverage for such an injury.


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