Chicago Homeowner's Insurance Accident Claim Attorney
The fundamental purpose of homeowner's insurance is to protect policyholders from costs associated with incurring a loss, either due to an accident, theft, or an unforeseen disaster.
Consumers hand over a lot of money to feel secure in the knowledge that if the unexpected happens, they will receive compensation comparable to the value of any items or property that has been lost.
Insurance companies are infamous for devising tactics to reduce their liability if policyholders attempt to file claims. However, some of these tactics are both dubious and illegal that violate the agreements they have made with their customers when underwriting the policies.
Hire an Illinois Bodily Injury Attorney to Handle an Insurance Claim Under a Homeowner's Insurance Policy
Personal injuries sustained at the home of a friend or family can be devastating. Rosenfeld Injury Lawyers LLC can assist you with getting the compensation you are entitled to receive under Illinois law.
Our Chicago homeowner insurance claim lawyers have helped people from all parts of Illinois when a dangerous condition or negligent conduct results in an injury.
Many of our Chicago homeowner insurance claims involve serious injuries that include:
- Stairway accidents
- Slip and fall on snow or ice
- Carbon monoxide poisoning
- Dog bites
- Premises liability
If you were injured in the home of another person, we invite you to speak to an attorney at our office about your legal rights. As with all our personal injury cases, we work on a contingency fee basis where there is only a legal fee charged when there is a financial recovery.
Our personal injury attorneys currently represent clients throughout the United States, Illinois, and the Chicago area, including Cook County, DuPage County, Kane County, Lake County, Will County, Aurora, Chicago, Elgin, Naperville, and Wheaton.
Damages Covered by Homeowner's Insurance Policies
Consumers are increasingly aware of the small print that insurance companies include in their policies. However, some still allow themselves to be duped or bullied by their insurers when it comes time to file a claim.
The damages covered by many typical homeowner's insurance policies at an amount up to liability coverage policy limits include:
- Damage to the property resulting from a break-in or robbery, including the cost of any items stolen during the theft.
- Property damage caused by vandalism or negligent actions of a third party
- The cost of repairs following storms, floods, or other natural disasters such as hail, water, fire, wind, and electrical damage.
- Damage that was caused due to an accident, such as a fire that started accidentally, regardless of whether the fire was the result of individual negligence
- Environmental disaster damage such as toxic material spills or devaluation of property due to excessive pollution
- Bodily injury of the property owner, family members, tenants, visitors, and guests
- A wrongful death accident claim and the liability insurance coverage limits
Attempts at Intimidation: Attempts by Insurance Carriers to Bully Legitimate Claims From Getting Pursued
Insurance companies often deny or delay payment of claims to intimidate, bully, or deter a claimant submitting or considering submitting a claim.
Insurance companies are often in violation of their agreements with policyholders, and any refusal for payment might be against the law and considered operating under bad faith.
If you experience any of the following forms of intimidation, speak with an attorney right away who is experienced in premises liability cases and homeowner's insurance laws. Your lawyer can provide immediate legal advice and deal directly with the insurance company on your behalf.
Types of insurance carrier intimidation might include:
- The carrier's threat to cancel your policy or refuse renewal in the future if you file a claim
- Claiming that you seek compensation that is not covered for specific damages or that they consider the damages are excluded in your coverage. Insurance companies love to change the rules after they've provided coverage. The right attorney can help you stand your ground when they attempt to redefine what damages are covered and not.
- Claiming that your policy is void because you omitted information or provided false information when applying for coverage. Insurance companies often try to find loopholes that they can use to escape payment of claims. These companies often use tactics as smokescreens designed to make the claimant change their minds about filing a claim.
- Denying your claim while accusing you of hiding evidence or concealing material facts.
- Denying their policyholder's claim if those at fault are uninsured or under-insured, asserting that the policy does not extend coverage beyond the homeowner's property, including in other driver's insurance policy, the homeowner's auto insurance, or other coverage.
- Claiming that you must submit to an Examination Under Oath for your claim to be processed. This proceeding is designed to gather the information that can later be used against you, and you should never allow yourself to be subjected to questioning or examination without the presence of your legal representation.
Every injured person has the legal right to seek compensation from any individual or entity that has caused them harm. The victim can seek compensation to recover their medical bills, hospitalization costs, lost wages, pain, and suffering.
Everything that you say or do when attempting to file a personal injury claim will be monitored and scrutinized later in court. So, it is always advisable to limit your communication with any insurance company until you have obtained legal representation.
Homeowners Insurance and Bodily Injury Claims FAQs
Does My Homeowner's Insurance Cover My Injury?
No. If someone has been injured and requires medical care, the standard insurance policy for homeowners does not provide medical coverage. The liability coverage in your policy will typically include the cost of medical treatment to others.
You might also carry specific personal liability coverage that would provide you with medical care if you were injured on your property or the property of others.
What Does Bodily Injury Mean in Insurance?
Bodily injury insurance coverage liability provides payment for another individual's injuries if you were involved in an accident responsible for the crash and injuries.
What Happens if Someone Sues Your Homeowner's Insurance?
If another person or entity filed a civil lawsuit against you, claiming damage or injury on your property, your insurance coverage would hire an attorney to handle your defense.
Your insurance coverage has an upper limit that might be $10,000, $20,000, $50,000, $200,000 or more. Your insurance carrier would provide compensation up to that amount for all persons injured on your premises.
Which is not Protected by Most Homeowner's Insurance?
The insurance policy likely does not cover many things caused by negligence or failure to maintain the property. The coverage likely does not extend to damage caused by rodents, birds, insects, termites, mold, rot, rust, and wear and tear.
Will Homeowner's Insurance Cover a Lawsuit?
Part of your homeowner's insurance policy might provide you with a legal defense and might pay compensation for any injured party that has medical damages and repairs.
What is the Difference Between Bodily Injury and Personal Injury?
Bodily injury insurance coverage provides compensation for any expense for individuals not responsible for an accident but suffering injuries from the event. Alternatively, PIP (Personal Injury Protection) extends traditional auto accident insurance coverage and provides compensation for economic damages.
Chicago, Illinois Homeowner's Insurance Bodily Injury Claim Lawyers
Rosenfeld Injury Lawyers LLC has experience working with insurance companies and are aware of the tactics and trickery that they will use to weasel their way out of paying claims. Contact us today to schedule a free consultation to learn more about your rights and what we can do for you in and out of court.
Our Chicago homeowner claim attorneys will only receive payment once we have successfully won your case or negotiated a fair settlement in your best interests. If we cannot secure compensation on your behalf, you will not owe us a thing.
Contact our personal injury lawyers today at (888) 424-5757 (toll-free phone call) or through the contact form to schedule a free consultation. All discussions with our law firm remain confidential through an attorney-client relationship.