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Home Accidents and Liability

Accidents and Accident Attorneys
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Home accidents can make a homeowner liable, and this liability can be quite high if the injured person has suffered severe injuries or death. Home accidents can range from a slip-and-fall on an icy sidewalk to someone tripping over a step or a crack in the driveway to a dog bite. Most homeowners have accident and liability insurance, along with insurance to cover disasters such as fire and flood.

Home insurance policies generally have a deductible and, depending on the deductible amount, the homeowner may have to pay as little as $500 or as much as $5,000 out of pocket. Hiring an attorney after a home accident will help to ensure that the injured party's expenses get paid, either by the insurance company or the homeowner.

If the homeowner does not have a mortgage, he or she is not required to carry insurance on his or her home. Depending on the injury, expenses can add up quickly and the homeowner may not pay for them. An accident attorney can start settlement negotiations or can start litigation, either against the homeowner if he or she has no insurance, or against the insurance company.

Often, home accidents are disputed. An accident attorney will work with the homeowner and the insurance company to make sure the injured party's medical expenses are covered. In the event of a wrongful death, the accident attorney will start settlement negotiations or litigation for the estate of the deceased. If it is found that the homeowner committed gross negligence that contributed to the injury or death, punitive damages may also be awarded to the injured or deceased.

Insurance policies may not cover all liabilities in home accidents. In the case of a dog bite, the insurance company may not pay the claim if the homeowner misrepresented to the insurance company the type of dog living on the premises. If the homeowner obtained a dog that is on the insurance company's dangerous dog list and did not notify the insurance company, the insurance company may also refuse to pay the claim.

If home accident involving drowning took place on the property and the homeowner did not notify the insurance company that a pool was installed, the insurance company may not pay the claim. In such cases, an accident attorney can help collect the compensation that is due to the injured or the deceased's estate.

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