When Personal Injuries Happen At A Friend or Family Members Home
While there continues to be concern over the COVID-19 pandemic, Daytona Beach residents are still busy making plans to gather at the homes of friends or family members over the holidays. Amidst all the festivities and the preparations leading up to them, accidents resulting in potentially serious personal injuries become more common. When these occur due to the reckless actions of others involved, you are entitled to seek compensation for the medical costs, lost wages, and other expenses you suffer. Unfortunately, when the at-fault party is someone you care about, the situation becomes more complicated.
Injuries That Occur in People’s Homes
The Centers for Disease Control and Prevention (CDC) reports that unintentional, accidental injuries impact close to 40 million people each year. One of the leading places for them to happen is in people’s homes. Among the most common include:
- Slips, trips, and falls: These can be caused by wet floors, torn carpeting, loose paving stones, and clutter.
- Getting struck by or against objects: This can happen due to loose shelving or lighting fixtures indoors, or due to falling tree branches or other obstacles outside.
- Burn injuries: These are particularly common over the holidays, when people spend more time in kitchens, light candles, and hold bonfires.
- Dog bites: Even the friendliest, most familiar of dogs can bite if sick, hungry, fearful, or feeling threatened.
Your Rights To Compensation Through A Property Insurance Claim
Any of the above or other home-related accidents can leave you suffering serious personal injuries. Broken bones, burns, deep cuts, herniated discs, sprained or torn muscles, and traumatic brain injuries (TBI) are all common. Even minor injuries can result in a mountain of medical bills and ongoing treatment expenses while impacting your ability to work now and in the years to come.
Any time you suffer injuries in which others are to blame, you may be entitled to compensation for your losses through a personal injury lawsuit. However, when the at-fault party is a friend or family member, you may not be inclined to pursue this course of action. Filing a property owner’s insurance claim may be a better option.
The Insurance Information Institute (III) advises that homeowners policies typically provide liability protection in the event injuries occur on the insured’s property. A claim can be filed and settlements negotiated without your friend or family member even being involved. Liability limits generally start at about $100,000. If your injuries are severe and damages total more than this amount, the insurer may even provide coverage of legal expenses in the event the case must go to court.
Reach Out to Us Today for Help
Personal injuries can impact your health and jeopardize your financial security for years into the future. Why should you have to pay out of pocket for something that was not your fault. At Bundza & Rodriguez, P.A., we can guide you in options that allow you to get the compensation you need to recover. To request a consultation, call or contact our Daytona Beach personal injury attorneys online today.