Q: Premises Liability Injury
My 8 year old son broke his wrist while playing at a friend house he had to undergo surgery because his hand was completely broken away from the wrist. He was transported to the hospital by ambulance from the friends property. He ended up having to spend 2 days in the hospital. I am wanting to know if the homeowners are responsible for filing their homeowner insurance policy to cover the injury that took place at their home?
A: It may depend on the details and mechanics of the accident, but it's absolutely possible to get compensation from the homeowner's insurance. Get a free consultation with a lawyer to learn what your options are!
A: Homeowner's insurance may or may not cover the damages / injuries. If the homeowner carried "Medical Payment" insurance, there may be a recovery of out of pocket medical expenses even if you cannot prove that the homeowners / residents were not at fault. If the injury resulted from some kind of negligence, there may be liability coverage available to cover such damages. As for the mandatory reporting of an injury to a homeowner's insurance carrier, it will depend on the language of the insurance company and other factors. Consult with an attorney.
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