If I fell at home and it resulted in a major injury can I file a claim with my homeowners policy?

Question

I know if someone else falls they can go through my policy so would the same hold true if I fell? I'm wondering about this because I know if I had a solo car accident I could go through my own auto insurance to pay for it so does the same hold true for a homeowners policy?

Answer 1

No. Your policy defends you, it doesn't PAY you for injuries.

Auto policies can have a first party medical coverage, to pay the policyholder. Homeowners policies don't.

You need to go through your HEALTH insurance for coverage, if you fall at home and have a major injury.

Answer 2

No luck on the homeowners claim.

You are mistaken about the solo car accident with regards to uninsured motorist. You can only make a claim on an uninsured claim if someone else was at fault for the loss. Your auto policy would pay medical (if you had that coverage) to the policy limits but that is regardless of the facts of loss.

Good luck, hope you get to feeling better

Answer 3

Most homeowners insurance policies provide medical payments coverage. However, this only covers medical payments for guests never for residents of the household or the insured. So the answer is absolutely not!

Please do not rely on those that have responded yes to this question and file a claim since the claim will not only be denied but might be counted against you at the time of your renewal.

Good Luck

Answer 4

No-liability coverage would not apply because you can not be liable to your self. You can't go to court and sue yourself because of a hazardous condition at your home. Makes sense when you thing about it - you are responsible for maintaining your property in good condition - so you can't go to court and sue yourself when you get injured because you failed to maintain your property in good condition.

Medical Payments coverage would not apply. It has language in it that specifically excludes residents of the house hold.

Medical Payments coverage on a house is different from the Medical Payments coverage on a car. Automobile med pay - specifically covers residents of the house hold and homeowners med pay does NOT cover house hold residents.

Medical Payments and Liability coverage are both intended to pay for injuries that are sustained by non-residents of the home. This is standard language and is going to apply in all states. The ISO form of all homeowners and dwelling policies work this way. The folks above who say that their policy will pay for hurting themselves on their own property are wrong. They are confusing the terms of Automobile Med pay and Homeowners med pay. It's a easy mistake for someone who does not deal with this every day to make.

Comprehensive/Collision coverage are automobile coverages - they pay for physical damage to your auto. They have nothing to do with injuries.

If you don't believe me - contact your agent. They will confirm what I have told you.

Answer 5

In the case of someone else falling on your property it is a liability issue.

If you carry collision insurance you can certainly file a claim even if you cause the damage.

However a fall on your own property doesn't fall into a category common on most homeowner's policies. Read yours. Do you have medical coverage? I doubt it.

Answer 6

Are you confident they admitted criminal accountability or are they simply prepared to pay scientific decrease than the no fault scientific assurance. to establish that the dwelling house proprietor to be to blame she had to do some thing incorrect, case in point have an unmarked hollow in her dark backyard via shape with out caution sign or easy to alert you. in case you purely purely fell there could be no criminal accountability on the dwelling house proprietor and you may purely have the skill to assemble as much as the obstacles of the no fault scientific assurance (if the coverage has it). if so in the experience that your scientific well-being assurance already paid that's in all risk you may purely be reimbursed your copays. there is not any way any individuals can answer that for confident as we have not examine your scientific well-being assurance plans, the different persons dwelling house proprietor coverage and we don't comprehend what state you reside in. concerning the lawyer anybody says you prefer. in case you will pursue soreness and suffering and your chum/dwelling house proprietor did some thing to reason your injury i assume you may... in case you experience mushy with that morally. you purely have a declare for P&S however if the dwelling house proprietor replace into negligent. in case you purely fell you're out of success. Regardless that's in all risk the statute of obstacles is drawing close to an end, meaning you won't have the skill to assemble in case you wait too long.

Answer 7

It depends on your policy. I know someone who has done it before, but your policy may have clauses that prevent you from doing so. I would suggest that you read your policy thoroughly, and if you still aren't sure, call your claims department and ask them. They will be able to tell you just by the type of policy you were issued. Hope you feel better soon and good luck.

Answer 8

No, you can't file on your homeowners policy.

Answer 9

Yes, but they'd probably want you to go thru your health insurance first (if you have it).

Of course, your policy could be different from mine---I know mine, I can file a claim if I stub my toe on my piano, it's that comprehensive. Check with your agent if you dont feel like reading the fine print on your policy.

Good luck!

Answer 10

Im not all that smart about this stuff but I believe you would just go through your medical insurance-???