Articles Tagged with homeowners insurance

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Just as auto insurance provides liability coverage in the event a driver is sued for causing an accident, most Georgia homeowners’ insurance policies protect the homeowner in the event that someone is injured on their property. For example, if the homeowner was negligent in maintaining their driveway and someone has a trip-and-fall accident, the homeowners’ insurance carrier could be on the hook for the victim’s medical bills and other damages. As with any kind of insurance claim, it is important for the owner to promptly notify the homeowners’ insurance carrier anytime there is an accident that may lead to litigation.

Travelers Indemnity Company of America v. Jones

If there is any way for an insurance company to avoid paying a personal injury claim, it will take it. Consider this recent decision by a federal judge in Athens. This case arises from particularly tragic circumstances. A 23-year-old woman was going to a party at a house in Athens. But as she was still seated in her car, she was struck and killed by a stray bullet, the byproduct of a gun fight between two groups on the property.

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While premises liability is often associated with commercial businesses (think a slip-and-fall at the supermarket), any property owner may be held responsible if an invited guest is injured. This is why homeowners insurance policies typically offer liability coverage. For instance, if someone falls down the stairs at your house, your homeowners insurance will cover the medical bills.

Allstate Property and Casualty Insurance Co. v. Roberts

What if someone is injured on your property in a criminal act? Insurers often try to disclaim coverage in such situations. But depending on the precise wording of the policy, the insurer may still be liable.