I burned my hand on a stove at my friend’s house. Does their homeowners insurance cover my medical expenses?

Whether or not your friend’s homeowners insurance covers your medical expenses depends on the specific terms of their policy and the circumstances surrounding the incident. Homeowners insurance typically provides coverage for injuries that occur on the insured property, known as liability coverage.

If your friend is found to be liable for your injury, their homeowners insurance may cover your medical expenses, up to the limits of their policy. However, if your injury was the result of your own negligence, such as if you touched the stove while it was hot or failed to use caution when cooking, then the insurance company may not cover your medical expenses.

If you believe that your friend is liable for your injury, you should notify them and file a claim with their homeowners insurance company. The insurance company will investigate the incident and determine if your friend is liable for your injury and if they will cover your medical expenses.

It’s important to note that if your friend’s homeowners insurance policy does not have liability coverage or if their policy limits are not sufficient to cover your medical expenses, you may need to seek compensation from your own health insurance or through a personal injury lawsuit.

If you’re unsure about your options, it may be helpful to consult with a personal injury lawyer who can advise you on the best course of action to take.

Asked July 16, 2012 by Andy Villena