Personal Injury Clause in my Homeowners Insurance Policy?

by Daydra
(Dallas, GA)

My nephew fell on our icy driveway, his shoulder slipped out of place and he had to go to the hospital. He has no medical insurance and had to put it under our home owners insurance who are telling him that my policy only covers up to $1,000.

He found out that his collarbone may be fractured and he has to go to a specialist. Would he be able to sue my insurance company to get just the medical bills under my personal injury clause?

We have personal injury up to $100,000. If you could let me know if they have a case or what we need to do to help recover his medical expenses. Thanks.

Disclaimer: Information provided in your response is not formal legal advice, it is generic legal information and is based on the very limited information given in your question. You should always get a formal case evaluation from a licensed attorney.

ANSWER for "Personal Injury Clause in my Homeowners Insurance Policy?":

If you have a homeowners insurance policy that allows recovery of up to $100,000 for personal injuries, this is probably the best bet to recover the medical expenses.

Be advised that your insurance company may deny the claim and there is little you can do about that. It really depends on your policy, but from the sounds of things there is no real liability other than the fact that he was injured on your property.

Since laws change frequently and across jurisdictions you should get a personalized case evaluation from an attorney licensed in your state (if you haven't already). Find an experienced local attorney to give you a FREE personalized case review here.

Best of luck,

Law Guy

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