Q: How much am I responsible for? Why wont my Homeowners insurance pay for it.? He gets unemployment. Do i pay lost wages?
I’m a home owner. My roommate stepped on my dog and fell in the hallway , injured his shoulder. He is 56 yrs old. He’s been getting medical Treatment for several months.Now he needs surgery. He has Medi-Cal.He can’t find a Doctor Who will do his surgery on Medi-Cal. Do I pay for it I’m a home owner. He wantS me to pay for it As well as his weekly wages. Can he apply for unemployment?He is a massage therapist and wouldn’t have any clients regardless. I don’t understand if I’m responsible for his wages if he wasn’t going to be working. His surgery is $20,000.
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A: Tricky issues in this case. You need to consult with a home insurance expert not a personal injury kawyer. If a stranger had stepped in your dog and gotten injured, there ya no doubt in my mind that your insurance company would have paid for the victim’injuries; however , because he is a resident in your home he may be specifically excluded or also excluded because you did not get a commercial insurance policy. You need help immediately because your liabilities may exceed $100k very soon. Best of luck.
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