You invite friends and their friends to your home, your property, for a Super Bowl party and someone suffers an injury. Your homeowners insurance provides several ways to help with medical care for minor or major injury scenarios from dog bites to broken bones.
First, your homeowners policy provides medical payments coverage which has a lower limit, perhaps several thousand dollars, to reimburse first aid or minor doctor visit costs. This no fault coverage does not require the injured party to sue or threaten to sue. It’s simply medical coverage for the property.
Second, your homeowners policy provides liability insurance which covers at fault injuries on your premises. At fault in these terms does not indicate viscousness on your part, just an unsafe condition which can range from a railing giving out to a chair collapsing under your guests weight. Compare this coverage to medical payments. Liability has a much higher limit available for medical costs, but it has a higher threshhold of circumstances to collect these payments. A proactive claim must occur.
These coverages can vary by State. It is wise to check online for quotes and policy descriptions from an independent agency serving your area. Many options exist for policy liability limits and property coverage to protect your home.
Proper loss control avoids claims. Lock up your dog if he doesn’t like crowds of people. Make sure all food is prepared properly and thoroughly cooked. Remove shaky or unstable furniture, especially seating, and rugs people can trip over. Walk through the space where the party is to be held and think safety. Common sense helps spot danger.
So, are you covered for injuries to your guests at a Super Bowl party? Yes, if you compare quotes online to create a policy with terms and conditions to your liking. Once you decide to throw that party, walk through the space and correct any conditions which could lead to injury.
Remember to relax and enjoy the party.
When you get into a neighbor or a friend’s car, you would not check what his auto insurance policy covers. Unfortunately, if you happen to meet with an accident then, will you be covered? As a passenger of any car, you need to know the kind of coverages required by the driver in order to protect you. Here are two instances where your driver is held responsible for the accident or the other driver is found guilty.
With Your Driver
If your driver is held responsible for causing an accident due to distraction, breaking signal, traffic violation or unexpected collisions with another car, are you as a passenger being covered? It depends and differs from one state to another. With no-fault states, you will be covered under PIP coverage where as with not a no-fault state, your driver needs to carry medical payments coverage. But be aware that unlike PIP, medical payments coverage won’t consider lost wages. It just bares your medical expenses and pays for hospital bills. Medical payment covers both the driver and his passengers. You can sue the driver if he is not able to cover all your medical expenses but as a passenger even you will be held responsible for the accident, if at all you encouraged the driver to break traffic rules or had distracted him while on the drive.
With Another Driver
If another driver is found guilty, then his bodily injury coverage will cover you. This coverage is mandated in most of the states and every driver will carry it up to a certain limit as per Department of Insurance’s minimum requirements. A driver would opt for this coverage as this will act as a savior when he is being sued legally, to fight for claims. If the other driver is not having insurance, then uninsured motorist coverage if opted by your driver will cover you as a passenger. However, uninsured motorist coverage is optional in many states and your driver may not possess it. If you are in a no fault state, then you might be lucky as your driver would be having PIP which will cover you, no matter who is at fault. This covers medical bills, lost wages and even rehabilitation costs.
Ensuring that your biggest asset which is of high priority for you and your family is financially secured by home owners insurance and also equally considering coverages to shield your personal assets. You will not know when and what kind of injuries will be sustained by anyone on your property. You will also not know the heights of damage which will occur or unintentionally being caused by any of your family member. Incidents and it’s severity cannot be predicted and hence a claim over your personal liability and law suits for it. Liability costs are not covered by your home insurance policy to greater extent, hence recommending more coverage on personal liability.
Liability Insurance – Two Types
- Home Insurance Personal Liability: Personal liability insurance covers bodily injury and/or property damage against every claim and law suits causing any accident when on your property or if your personal activities results in any damage or injury at your house. Home Business related damages and loss are not included.
- Home Insurance Medical Payments: Medical Payments coverage is a another form of liability insurance basically covering others to pay for medical treatment of injured at your home or in your property. It includes doctor’s fees, hospital stays, x-rays, and other similar expenses.
Property owners have this huge responsibility of maintaining safe conditions in and around their home to avoid any injuries for people coming home or when on their. There are different categories of people who might visit your property and you will be held liable for any incident occurring and protecting these specific groups of people is major duty of a home owner.
- Invitees: Category of people who are invited by the home owner for general purposes of work at their premises. Contractors and workers are usually labeled invitees.
- Licensees: A person who does not have any relation contractually with the owner of premises but he has the permission to go to the premises is known as a licensee. A licensee is typically considered as a social guest welcome at any residence.
- Trespassers: A person who steps into the premises of another person without any permissions implied by the owner, purely for their amusement or benefit is known as a trespasser. Skateboarders in a swimming pool, not having a finish will fall into the category without any evidence, then the owner exercises a duty in order to avoid injuries to the trespasser.
Home liability insurance is generally included in policies. But it comes usually with $100,000 coverage which is not sufficient when some other person is injured severely. So its always better to play safe by setting $300,000 coverage or even more in case of any accident at your home. This just requires an increase on your premium rates slightly resulting in tremendous peace.