One of the most common questions that a lot of people wonder about is whether the homeowner’s insurance covers accidents which take place off their property. It’s important to find out whether a legit off-premises claim could be effectively covered by the policy and how your carrier can help you out with it.
Now, you are most likely well aware that your homeowner’s insurance policy is going to cover your damages when wind or fire, for example, damage your house. The standard policies of this kind, however, are also going to cover you as well as your family when you have accidentally injured someone or damaged someone else’s property while you were actually far away from home. Of course, there are quite a lot of considerations to be accounted for here, so let’s go ahead and take a look.
Only a certain type of cases is covered
Of course, you can’t really expect your homeowner’s insurance policy to allegedly cover all sorts of accidents which happen off your premises. For instance, if your car has been involved, it’s likely to be covered by your auto insurance policy. Of course, not all of the accidents are going to take place on the roadway. For example, if you manage to accidentally sideswipe someone’s head with your snowboard at the lodge, your homeowner’s insurance might actually cover you up. Of course, the main condition here is that the accident happened by accident.
Your negligent behavior is well covered
Of course, the law expects everyone to behave properly and reasonably during all times. If you fail to do what a certain responsible and reasonable person would do in the same given scenario under the same circumstances and someone gets injured as a result, you will fall within the hypothesis of negligent behavior.
The good thing in the entire situation is that you will have the law to provide you with some protection, as obviously malicious aforethought has not been manifested. This is why your homeowner’s insurance policy is going to cover yours as well as the negligent behavior of your entire family, regardless of where the accident actually takes place. If your kid accidentally hits a baseball in your neighbor’s window and breaks it off, you can rely on the insurance to cover it properly.
Of course, there are quite a lot of considerations that you would have to be perfectly aligned with. The entire procedure could be particularly tedious and incredibly time-consuming. Of course, it also requires a significant degree of professional legal knowledge. This is the main reason for which you might want to ensure that you have an experienced lawyer by your side in order to represent and protect your interests in front of the insurance company and possibly in front of the court. Personal injury lawyers in Sarnia are conversant with the intricacies of tort law and the fine print of insurance policies.