Injured at sisiter's house, should home owner's insurance pay lost wages?
Your sister's home owners insurance, renters for that matter, will pay for your "medical expenses," up to the limits stated in her policy and that is commonly, and unfortunately, only $1,000 although it is affordably capable of being raised to even $25,000 or $50,000 for just a few dollars a year. [Most insurance agents won't usually recomend higher limits because they don't want to boost your premium and risk losing a new customer.] And that is all unless you sue her, and win your case for any other liability. The highest amount in her policy will be the liability insurance amount that will cover her for folks like you that could sue her as being personally liable for injuries. A lot more than just lost wages can come to play then, things like, unpaid bills, loss of use of (whatever), loss of love with your spouse, loss of being able to clean your own house, and the list goes on.. The question goes back to how bad do you want to stick it to your sister becase her premiums are going to go up pretty much in proportion to the amount of the winning claim. Expect to have to list, in great detail, all the loses you are claiming-- with written proof of everything! Unike life insurance claims, which are pretty much "cut and dried," like all you need is the death certificate, liability claims are subject to all sorts of proof and data, receipts, photographs, video recordings, and more to verify your claims of loss. Oh well, so much for relatlionships. Whatever.
Not without a lawsuit and a jury trial. This will show if there was any contributory negligence.
So shop around and compare quotes which is easy on the net. this is the site i used and it was quick like less than 5 mins. . The last thing I want to do is listen to elevator music while waiting for a salesman.No doubt the easiest way to get insurance quotes is on the web.
http://insurance.deal4-you.com
Good luck.
Her policy could pay but an important question is "Was she legally liable for your injury?"
Was her home unsafe? Did she not have her pet under control?
Answers:
Her homeowners policy WON'T pay your lost wages, unless you sue her for causing the injury, AND WIN. That means, the injury was HER FAULT, not "oh I slipped" or "oh, I wasn't looking where I was going and walked into a door".
It ALSO has to be an accident - ie, if she punched you, even if you sue her, her insurance policy won't pay, she'll have to pay you directly.