Can I claim for injury?
I slipped on my patio, and fell over a low wall badly breaking my wrist. Can I claim on my home insurance policy, which covers public liability.
Answers:
Don't you have medical insurance? This is a medical issue.
No.
You can not be legally liable to yourself. You can not budge to court and sue yourself for not properly maintaining your patio. Liability coverage does not apply to residents of your household. As such, the liability coverage on your homeowners policy will not settle for your injury.
The medical payments coverage on your homeowners specifically excludes people living in your household.
You will necessitate to file with your strength insurance.
Hope you get better soon. Source(s): Insurance Adjuster 12 years (US)
look into the excess , it may not be worth it
Probably not. Your liability coverage protects you if someone else get hurt and says its your fault.
If your homeowners insurance does cover it, you will probably remuneration more for increased premiums than you will get for medical expenses.
Your best option is to of late make sure the medical providers you choose accept your medical insurance.
Highly unlikely. Contact your insurance provider. It really will depend on the type of cover you own. Usually, Public Liability will cover third parties. And unfortunately, Home insurance will not cover personal injury surrounded by the home, in so far as the policy holder is involved.
If you live in the USA, next the answer is no.
I am a claims adjuster. Your homeowners coverage only provides medical coverage should a guest or worker on your property become injured. Source(s): Work experience
First of all you involve to specify what you want to claim. You would only be able to claim the costs of medical expenses and not lately for breaking your wrist. If you are not out of pocket, you would not be able to claim anything. As to actually claiming, solely your insurance company would be able to advise you.
ably u probably could but y would u want 2 claim on your self just put your insurance up
Is it your own property that you own yourself? If so, I don't deem you can file a claim. If you rented, you might be able to. If alcohol or hostility or goofing off was involved (and it is reflect in your medical report), you will probably be disqualified.
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Answers:
Don't you have medical insurance? This is a medical issue.
No.
You can not be legally liable to yourself. You can not budge to court and sue yourself for not properly maintaining your patio. Liability coverage does not apply to residents of your household. As such, the liability coverage on your homeowners policy will not settle for your injury.
The medical payments coverage on your homeowners specifically excludes people living in your household.
You will necessitate to file with your strength insurance.
Hope you get better soon. Source(s): Insurance Adjuster 12 years (US)
look into the excess , it may not be worth it
Probably not. Your liability coverage protects you if someone else get hurt and says its your fault.
If your homeowners insurance does cover it, you will probably remuneration more for increased premiums than you will get for medical expenses.
Your best option is to of late make sure the medical providers you choose accept your medical insurance.
Highly unlikely. Contact your insurance provider. It really will depend on the type of cover you own. Usually, Public Liability will cover third parties. And unfortunately, Home insurance will not cover personal injury surrounded by the home, in so far as the policy holder is involved.
If you live in the USA, next the answer is no.
I am a claims adjuster. Your homeowners coverage only provides medical coverage should a guest or worker on your property become injured. Source(s): Work experience
First of all you involve to specify what you want to claim. You would only be able to claim the costs of medical expenses and not lately for breaking your wrist. If you are not out of pocket, you would not be able to claim anything. As to actually claiming, solely your insurance company would be able to advise you.
ably u probably could but y would u want 2 claim on your self just put your insurance up
Is it your own property that you own yourself? If so, I don't deem you can file a claim. If you rented, you might be able to. If alcohol or hostility or goofing off was involved (and it is reflect in your medical report), you will probably be disqualified.
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