Who Pays when Someone Slips and Falls in my House?
Generally anyone that does not live in your house is covered under your home insurance policy for any injuries while visiting. You will have to file an insurance claim in order for the policy to pay for the subsequent medical expenses and lost wages. And while the insurance policy is designed to protect you, hiring a lawyer to review the case might ultimately save you hundreds or thousands of dollars.
The injured party might decide to hire his or her own lawyer. Unscrupulous lawyers can seek additional damages therefore driving up the total cost of the claim. With medical costs rising every year, your home insurance policy could reach its payout limit and you would be left responsible for paying anything over the limit.
By simply having a lawyer who knows the ins-and-outs of personal injury cases and understands the complexities of insurance policies, you are protecting yourself from unnecessary costs and unnecessary legal claims.
A simple fall could mean a broken hand. That means an emergency room visit, x-rays, and doctors’ appointments. It can also mean lost wages and rehabilitation. Prevent these costs from going too high by hiring a lawyer to review the case and establish some boundaries for what you and your insurance company will have to pay.