July 31, 2011. Bill Szydlowski
A homeowner insurance policy covers all the injuries sustained inside and outside of the home. But the coverage regarding a specific injury case will be subject to the terms and conditions of a homeowner’s insurance policy.
Unfortunately, when a homeowner obtains insurance coverage for his household the normal concerns include damages to the home and other personal property rather than personal injuries that are incurred within or around the household. Most home owners are concerned with covering liabilities for themselves and their personal property. They fail and overlooked the liability for personal injuries to themselves, their children or visitors in their property. The homeowner must first review carefully his existing homeowner’s insurance policy. He must go over and specifically review the policies and facts about personal injury. They must determine whether the accidents and ensuing injuries are covered under their existing homeowner’s insurance policy. A homeowner must contact an insurance company about this case. In most cases, the insurance company disputes the nature and claims of the homeowner’s insurance coverage. It is best to contact a Pasadena personal injury attorney to help you understand the services due you and coverage of your insurance coverage which you have diligently paid for.
If in any case, the insurance company indicates their unwillingness to cover damages under an existing policy, it is the best time to seek the legal counsel of a Pasadena injury lawyer. The incident which caused the injury can be made in the light of the terms and policies of the homeowner’s insurance together with an applicable state law. If a claim filed with your insurance company for personal injuries sustained on your property is denied, your existing coverage implies that the insurance company may be liable for damages. It is wise to consult a Pasadena personal injury lawyer about the legal options available.
Updated July 31, 2011. Published April 28, 2011. Bill Szydlowski
