Shouldn’t homeowners liability cover an injury to someone who doesn’t live there?

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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: Aug 3, 2015

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Insurance Question from Oklahoma City, OK

Asked on 08/03/2015

Shouldn’t homeowners liability cover an injury to someone who doesn’t live there? I jumped off of a falling 8' aluminum ladder while trimming a tall hedge at my mom's house yesterday in Midwest City, Oklahoma and fractured my ankle in 3 places. i saw an orthopaedist this morning and he says I need immediate surgery to repair the damage. My mom has $300,000 of liability coverage on her homeowner's policy but only $1,000 for medical payments. So today her insurance company (Farmer's Insurance) tells me they're only going to cover $1,000 of medical payments because my mom wasn't "negligent" in any way. Sounds like a total bullshit line to me.

Answer given on August 22, 2015

Homeowner liability coverage is provided for protection of a policyholder if they are negligent and cause an injury to another party. This includes uneven pavement, no handrails on steps and other similar incidents.In your case, your mother was in no way responsible for the injury to your ankle since you were in charge of the ladder and its positioning and then jumped off. It is unfortunate that your mother only had $1,000 medical payments coverage on her insurance policy, as higher limits, up to $10,000 is available for a minor cost. However, since there was no negligence, the insurance company is in keeping with the insurance policy and only paying the medical payments limit.If you have medical insurance, you should be able to turn to them to help pay for the surgery required.

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