If I fell at home and it resulted contained by a trunk injury can I folder a claim near my homeowners policy?
I know if someone else falls they can go through my policy so would the same hold true if I fell? I'm wondering something like this because I know if I had a solo car disaster I could go through my own auto insurance to pay for it so does equal hold true for a homeowners policy?
Answers:
It depends on your policy. I know someone who have 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, ring your claims department and ask them. They will be able to tell you a moment ago by the type of policy you were issued. Hope you feel better soon and honest luck.
Im not all that smart about this stuff but I believe you would basically go through your medical insurance-?
In the case of someone else falling on your property it is a liability issue.
If you carry collision insurance you can really file a claim even if you cause the ruin.
However a fall on your own property doesn't fall into a category adjectives on most homeowner's policies. Read yours. Do you have medical coverage? I doubt it.
No luck on the homeowners claim.
You are mistaken about the solo car stroke of luck with regards to uninsured motorist. You can lone make a claim on an uninsured claim if someone else was at mistake for the loss. Your auto policy would pay medical (if you had that coverage) to the policy ends but that is regardless of the facts of loss.
Good luck, hope you get to fear better
No-liability coverage would not apply because you can not be liable to your self. You can't jump to court and sue yourself because of a hazardous condition at your home. Makes sense when you thing about it - you are responsible for maintain your property in good condition - so you can't walk to court and sue yourself when you get injured because you failed to allege your property in good condition.
Medical Payments coverage would not apply. It have 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 saloon. 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 envelope for injuries that are sustained by non-residents of the home. This is standard language and is going to apply in adjectives states. The ISO form of all homeowners and dwelling policies work this way. The folks above who utter that their policy will pay for hurting themselves on their own property are wrong. They are confusing the terms of Automobile Med pay packet and Homeowners med pay. It's a easy mistake for someone who does not concord with this every day to product.
Comprehensive/Collision coverage are automobile coverages - they pay for physical damage to your auto. They own nothing to do with injuries.
If you don't believe me - contact your agent. They will confirm what I hold told you. Source(s): Insurance Adjuster (auto and homeowners)
Call your insurance agent and ask.
No. Your policy defends you, it doesn't PAY you for injuries.
Auto policies can have a first gathering medical coverage, to pay the policyholder. Homeowners policies don't.
You need to run through your HEALTH insurance for coverage, if you fall at home and have a highest injury. Source(s): agent, 21+ years
Yes you can
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 definitely not!
Please do not rely on those that have responded yes to this question and folder a claim since the claim will not only be denied but might be counted against you at the time of your renewal.
Good Luck Source(s): Certified Insurance Counselor, licensed Insurance Agent & Broker in multiple states for over 26 years.
yeah but you will pay for it later
Yes, but they'd probably want you to go thru your form insurance first (if you have it).
Of course, your policy could be different from mine---I know mine, I can report a claim if I stub my toe on my piano, it's that comprehensive. Check with your agent if you dont feel close to reading the fine print on your policy.
Good luck!
No, you can't file on your homeowners policy.
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Answers:
It depends on your policy. I know someone who have 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, ring your claims department and ask them. They will be able to tell you a moment ago by the type of policy you were issued. Hope you feel better soon and honest luck.
Im not all that smart about this stuff but I believe you would basically go through your medical insurance-?
In the case of someone else falling on your property it is a liability issue.
If you carry collision insurance you can really file a claim even if you cause the ruin.
However a fall on your own property doesn't fall into a category adjectives on most homeowner's policies. Read yours. Do you have medical coverage? I doubt it.
No luck on the homeowners claim.
You are mistaken about the solo car stroke of luck with regards to uninsured motorist. You can lone make a claim on an uninsured claim if someone else was at mistake for the loss. Your auto policy would pay medical (if you had that coverage) to the policy ends but that is regardless of the facts of loss.
Good luck, hope you get to fear better
No-liability coverage would not apply because you can not be liable to your self. You can't jump to court and sue yourself because of a hazardous condition at your home. Makes sense when you thing about it - you are responsible for maintain your property in good condition - so you can't walk to court and sue yourself when you get injured because you failed to allege your property in good condition.
Medical Payments coverage would not apply. It have 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 saloon. 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 envelope for injuries that are sustained by non-residents of the home. This is standard language and is going to apply in adjectives states. The ISO form of all homeowners and dwelling policies work this way. The folks above who utter that their policy will pay for hurting themselves on their own property are wrong. They are confusing the terms of Automobile Med pay packet and Homeowners med pay. It's a easy mistake for someone who does not concord with this every day to product.
Comprehensive/Collision coverage are automobile coverages - they pay for physical damage to your auto. They own nothing to do with injuries.
If you don't believe me - contact your agent. They will confirm what I hold told you. Source(s): Insurance Adjuster (auto and homeowners)
Call your insurance agent and ask.
No. Your policy defends you, it doesn't PAY you for injuries.
Auto policies can have a first gathering medical coverage, to pay the policyholder. Homeowners policies don't.
You need to run through your HEALTH insurance for coverage, if you fall at home and have a highest injury. Source(s): agent, 21+ years
Yes you can
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 definitely not!
Please do not rely on those that have responded yes to this question and folder a claim since the claim will not only be denied but might be counted against you at the time of your renewal.
Good Luck Source(s): Certified Insurance Counselor, licensed Insurance Agent & Broker in multiple states for over 26 years.
yeah but you will pay for it later
Yes, but they'd probably want you to go thru your form insurance first (if you have it).
Of course, your policy could be different from mine---I know mine, I can report a claim if I stub my toe on my piano, it's that comprehensive. Check with your agent if you dont feel close to reading the fine print on your policy.
Good luck!
No, you can't file on your homeowners policy.
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