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Jonathan Rosenfeld

January 10, 2022

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We travel all over different properties during the day, and any one of them can catch you in an accident with personal injury and substantial bodily injury, which can lead to time away from work, medical bills, and other damages.

In such a situation, a premises liability lawyer at a reputable law firm can talk to you or the injured person about legal options.

The lawyer can handle various issues related to the homeowner’s property, including the following:

  • An insurance claim (or multiple personal injury cases) with the insurance company,
  • Liability coverage under the homeowner’s insurance policy
  • The homeowner’s insurance process

Our personal injury attorneys have dealt with most homeowners insurance policies. They can advise you to bring a homeowner’s insurance claim through a homeowners insurance policy under an attorney-client relationship.

This will help you understand what personal liability insurance or homeowners insurance policy they have that can compensate for your personal injury, property damage, medical care expenses, bodily injury, and other losses your liability coverage does not cover.

The following sections deal with how an injured person can bring an action against the property owner or their homeowner’s insurance after they are harmed on someone else’s property. Contact us for more information.

Homeowners Insurance Coverage on Personal Injury Cases

If you are injured at the home or apartment of a friend or family member, you may be about to recover compensation under their homeowner’s insurance policy.

Will Homeowners Insurance from an Insurance Company Cover Personal Injury Cases, including Medical Bills and other Personal Liability Coverage?

The short answer is that an injured person can bring a claim to an insurance company for the homeowner’s insurance benefits of a homeowners policy if they are harmed on someone else’s property.

To qualify for the terms of nearly every homeowner’s policy, the property owner must have acted negligently or with intent to harm or injure you.

If that is how the injury occurred, then the victim bringing filing a personal injury case, generally with an experienced attorney and an experienced law firm, can see if the homeowner’s insurance covers will reimburse you for the following:

  • Your medical payments coverage
  • Personal assets depreciation
  • Financial compensation losses from missed work
  • Medical expenses
  • Lost wages
  • Personal property losses
  • Related expenses and damage
  • Other third-party claims on the liability limits and insurance coverage

Now that you know that a homeowner’s policy does provide financial compensation and homeowners coverage for your harms and losses, let us examine when you can sue and what types of personal injury cases you can bring for accidents on someone’s land.

If you are considering a personal injury case against a homeowner’s policy, call us or use other automated technology to establish a confidential relationship and begin a claim.

We can discuss what homeowner’s insurance covers and what liability insurance will secure, generally handled by an insurance adjuster.

What is a Personal Injury Case, and When Can You Sue a Property Owner?

Whether or not you can sue a property owner or bring a homeowner’s insurance claim through their insurer depends upon the circumstances of the accident.

The law looks at why you were there and how it happened.

For instance, you can ordinarily sue for fall accidents like slips and trips. However, you must have had an invitation or business reason to be there in most states.

Also, the landowner must have negligently and thereby caused it or at least allowed the fall to happen.

If this was the case, the homeowner’s policy may apply, and insurance covers accidents up to the policy limits, including supplemental terms.

Filing a personal injury case could include your losses and med pay coverage.

So before you file a personal injury case with a carrier, ensure the landowner was responsible, you did not assume the risk, no other third party was to blame, and you have tangible losses or harms.

Here are some other common scenarios where you may be able to seek damages against property owners:

  • A dog bite or animal attack
  • Burns from a fire
  • Falls or other slips and trips
  • A broken railing or stairs events
  • Battery or assault from a third party due to negligent supervision or security

Call us about the homeowner’s liability event, car accident, or other incident, and leave your contact information.

We can review the homeowner’s insurer or insurance information, like an insurance policy, to see if it will provide coverage under the policy limits and set up an attorney-client relationship.

Intentional acts of consent constitute acceptance or may provide consent for some accidents and subsequent injuries. Talk to a personal injury lawyer about the insurance company process today.

How Can You Sue on a Homeowners Insurance Claim?

If you are hurt because of a dangerous condition on another’s premises, you may be able to file a claim against them. They must fix or warn others about certain risks.

Failure to abide by these laws can open them up to substantial liability.

But how do you sue their homeowner’s insurance carrier if you are hurt on their property for hospital bills, lost income, or other damages?

Take a look at these tips when handling your personal injury case:

  • Notify the insurance company about the accident.
  • Give the business a thorough description of the incident and your injuries.
  • Give them an exhaustive list of all compensation you will claim and itemize all reasons for it.
  • Review the policy with an attorney to identify possible limits and areas of permitted recovery.
  • Work with your legal counsel to draft a demand letter and/or lawsuit, whichever is necessary.

How Can an Attorney Help with Personal Injury Cases?

Regardless of where or when you bring your action, there will be many things to do that will inevitably take up substantial time and money.

At this time, many people situated in these circumstances decide to retain legal counsel.

Your lawyer should kick off the claims process, especially if the carrier refuses the claims, stalls, or drags out the whole thing entirely.

Along the way, your legal team should be doing some things to preserve your right to file a personal injury case or bring a lawsuit if this does not work.

Chief among those agenda items, they should investigate how the events occurred-talk to people, look around the scene, and organize materials to make sense of everything.

Then, they should research your legal rights and draft your legal complaint for damages.

Talk to us about how we can assist you in a personal injury case after you are harmed on another’s land.

Our team works on contingency, so you do not have to pay a dime until we win in court or settlement.

Attorneys for Homeowners Insurance Claims and Premises Accidents

Rosenfeld Injury Lawyers are available to help you with your legal claims.

Call us today to schedule an initial consultation of your compensation claim and learn more about the compensation that may be available.

We have helped many people and their families recover compensation for their medical expenses, lost wages, and pain related to injuries sustained in falls or another incident on the premises of another.

Allow us to do the same for you. Call us at 888-424-5757 to start your personal injury case today.


Free Consultation (888) 424-5757
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