Property owners – especially homeowners – have a responsibility to keep their homes safe and hazard free for their visitors. If an injury occurs at a home, the homeowner – and more importantly the homeowners' insurance – can be held responsible for medical bills.
This falls under the legal term "Premises Liability," which states that homeowners must keep their properties safe for guests. This includes shoveling snow, clearing ice from pathways, securing loose cords, and much more.
Homeowners are clearly responsible for those who enter their property. But first, we have to define who those "guests" would be. The following people would be affected by premises liability in different ways if they were injured at someone's home:
Our law firm frequently sees the following accidents:
Often times, when you suffer a falling accident at someone's home, they are a friend, family member, or loved one. The last thing you want to do is cause a fuss or "sue" someone you care about.
That's why it's important to understand who pays your medical bills. The homeowner is typically required to carry homeowner's insurance, which is exactly what it sounds like. This form of insurance will financially protect the homeowner if someone is injured at their house.
That means the insurance company will pay for your medical bills – not your friend or loved one. They purchase this insurance for the expressed purpose of protecting themselves if an accident occurs on their property.
If you're a homeowner yourself, you'll want to make sure you're protected in the event of an accident on your property. Be sure to check the limits of your homeowner's insurance to financially protect yourself in case someone gets hurt at your house.
Slip and fall injuries can be far more serious than people think. Sometimes the effects of an injured elbow, hurt leg, or concussion might not be immediately recognized. Make sure you know exactly what to do after a slip and fall accident.
As always, we're standing by if you need legal help after your accident. If the insurance company is denying your claim or giving you the runaround, we'll step in and stand up to them.
Remember, it's free to speak with us and there's never any obligation to hire our law firm when you call.