Homeowner's Insurance Coverage May Protect Accident Victims
Homeowner’s insurance can cover accidents beyond the home, including personal injury claims. There is a popular Allstate Insurance commercial where a man is blowing leaves into passing traffic, which causes an accident involving two vehicles. The commercial is talking about car insurance but that would be a claim against homeowner’s coverage. Many people do not know there are certain accidents, including car accidents, that are covered by homeowner’s insurance. In the Allstate commercial scenario, homeowner’s insurance would cover the negligent blowing of leaves into traffic that caused the accident.
People often think of homeowner’s insurance existing exclusively to provide coverage for damage to the home, such as a hurricane or fire, or incidents like a home burglary. Yet homeowner’s insurance may also cover the personal assets of a homeowner or their family who, through someone else’s negligence, may cause an accidental injury. Examples may include:
A homeowner accidentally shooting a friend in a hunting accident
A homeowner failing to maintain or supervise a swimming pool
A dog escaping from the homeowner’s property and attacking a neighbor
If you or someone you know is hurt due to someone else’s negligence, there is likely coverage. Negligence can consist of doing something that a prudent person would not do or failing to do something that a prudent person would do. This might involve another person being distracted by their cellphone and knocking you over on the sidewalk. If someone accidentally sideswiped you with their skis in a mountain lodge and injured you, a homeowner’s policy may protect you. These careless acts pose risks, but they are unintentional.
At Kobren Law, we work tirelessly to seek coverage for those injured or involved in accidents, and ensure you are fully compensated. There are numerous avenues of insurance coverage that can protect you, and we will find the one most applicable in your particular case.
Get in touch with Kobren Law today if you or someone you know is the victim of an accident. Contact us to take the first step toward achieving the best outcome in your case. Call 561-361-8677 or email help@kobrenlaw.com.
