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: Sep 10, 2012

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Insurance Question from Mableton, GA

Asked on 09/10/2012

I slipped and fell on a handicap ramp attached to my Mother house where she is a renter. I injured myself by falling going up the ramp. She has a renter's policy that has Med pay and policy limit of $5k. Who is liable for my medical bills once her policy exceeds the policy limit? Thank you

Answer given on September 10, 2012

If you are injured at another person’s residence, Their renters or homeowner insurance will pay under the medical payments coverage, up to the limit, for your injuries. Under medical payments there is no requirement of negligence.The renters or homeowner policy also includes liability coverage ranging from $50,000 to $500,000 and sometimes higher. This coverage requires negligence on the part of the resident or homeowner. If the ramp was slippery, or something was on the ramp that caused you to fall, there would probably be negligence. The insurance company will review the injury and circumstances around the injury and determine if there was liability or not. If they deny coverage, you can file a suit, but you may not want to do that with your mother. However, if the property owner installed the ramp and it is incorrectly built, the property owner could have negligence. You can file a claim against the property owner for negligence and see how their insurance company respons.


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