Homeowners Insurance May Cover Personal Injury Claims

People are often surprised when they learn that homeowners insurance may cover negligent acts anywhere, not just in their home or on their property.  Accident and bodily injury coverage to third parties is more common than you might think in a homeowners insurance policy.   This type of policy is intended to cover your home and your family in certain cases of personal liability, and determination of such coverage is based upon the type of act that caused the injury and the terms of the policy itself.  

Accident victims will find that with the help of attorneys from Glotzer & Kobren, P.A. they can successfully make an injury claim against a homeowners insurance policy.  The lawyers at our firm will discuss the specifics of your case such as the insurance claim, personal injury claim, liability coverage under the homeowners insurance policy, and the homeowners insurance process generally.  We will evaluate all policy language to know whether your accident is covered and what the policy limits are.  We will identify the negligent parties to determine what coverage applies.   

Let’s take a look at an example in the case study below, which illustrates how an injured party may recover damages that resulted from another person’s negligence through a homeowners insurance policy.  In the following scenario, you will notice that there was negligence on the part of the tortfeasor who was careless and irresponsible in a manner that caused our client serious injury.  

Claims against homeowners insurance would usually be brought under the legal theory of negligence, which requires proof that the negligent party did not exercise reasonable care for the protection of others.  A homeowners insurance policy will not cover injuries resulting from an intentional act, however.

If you were injured due to someone else’s negligence, it is likely that the provisions of their homeowners insurance would cover your injury and/or damages, which may include:

  • Medical bills
  • Pain and suffering
  • Property damage
  • Lost income/lost earnings

Making a successful accident claim against a homeowners insurance policy begins with calling our experienced personal injury lawyers at 561-361-8677.  Speaking with an attorney immediately after an accident is strongly recommended to ensure your rights are protected.  Our goal is to swiftly resolve your case with the best possible result.  

Glotzer & Kobren aims to achieve justice and secure full compensation for our clients.  We invite you to contact us and see how we can help you.  We offer consultations at no cost to you and there’s NO FEE unless WE WIN money for you.  Call us today for an assessment of your case.  Our firm provides representation within the tri-county area of South Florida, including Palm Beach, Broward and Miami-Dade counties.