I was injured by a slip and fall in my sisters shower in Az. they have farmers home insurance what do I have to do to get the insurance to pay???

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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: Jan 17, 2012

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Insurance Question from Phoenix, AZ

Asked on 01/17/2012

I was injured by a slip and fall in my sisters shower in Az. they have farmers home insurance what do I have to do to get the insurance to pay??? taking a shower in my sisters home I slipped and fell backwards into a plate glass wall which shattered deeply lacerating my arm and some of my face and head. The insurance co rep says he saw nothing wrong even when there were no safeguards in the shower and says my sister/brother in law are not liable..I have to still reply to the insurance rep...what should I do??? who should I talk to first???

Answer given on January 18, 2012

The homeowner’s insurance policy has two sections that can address this—Medical Payment to Others as well as Homeowner’s Liability Section.  Medical Payments to Others pays regardless of fault. Therefore if someone incurs injury on the property, this coverage can pay for medical bills up to the coverage limits.  Most average HO Policies limit for this coverage is normally between $2,000- $5,000.  It is possible to have your medical bills paid under this coverage. The other section, Homeowners Liability section pays if it is determine the homeowner was liable for the injury or damage.  The adjuster has determined that they have found no liability on the part of the homeowner.  Was the door cracked and not repaired? How old was the door? Did it need replacing?  Was there slip precautions in the shower such as adhesive grips on the floor? Did the water drain out properly? These are somethings that can open the discussion for liability with the adjuster. 

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