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gilvarry114 | Can I claim for injury? |
I slipped on my patio, and fell over a low wall badly breaking my wrist. Can I claim on my home insurance policy, which covers public liability. |
 |
 
jamie m
|
Highly unlikely. Contact your insurance provider. It really will depend on the type of cover you have. Usually, Public Liability will cover third parties. And unfortunately, Home insurance will not cover personal injury in the home, in so far as the policy holder is involved. |
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MSAD
 |
No.
You can not be legally liable to yourself. You can not go to court and sue yourself for not properly maintaining your patio. Liability coverage does not apply to residents of your household. As such, the liability coverage on your homeowners policy will not pay for your injury.
The medical payments coverage on your homeowners specifically excludes people living in your household.
You will need to file with your health insurance.
Hope you get better soon. |
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bradhines62
 |
If you live in the USA, then the answer is no.
I am a claims adjuster. Your homeowners coverage only provides medical coverage should a guest or worker on your property become injured. |
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Change Now
 |
Don't you have medical insurance? This is a medical issue. |
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SmartA$$
 |
Probably not. Your liability coverage protects you if someone else gets hurt and says its your fault.
If your homeowners insurance does cover it, you will probably pay more for increased premiums than you will get for medical expenses.
Your best option is to just make sure the medical providers you choose accept your medical insurance. |
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enjoy
 |
Is it your own property that you own yourself? If so, I don't think you can file a claim. If you rented, you might be able to. If alcohol or violence or goofing off was involved (and it is reflected in your medical report), you will probably be disqualified. |
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Lily B Talus
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look into the excess , it may not be worth it |
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Roosh
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First of all you need to specify what you want to claim. You would only be able to claim the costs of medical expenses and not just for breaking your wrist. If you are not out of pocket, you would not be able to claim anything. As to actually claiming, only your insurance company would be able to advise you. |
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Dave B
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well u probably could but y would u want 2 claim on your self just put your insurance up |
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