If I got hurt from falling on my neighbor’s property, does my neighbor’s insurance or my own insurance cover my injuries?
Your neighbor has a duty to keep his premises safe and hazard-free. If your neighbor failed to do so, or failed to repair a known hazard on his property, he could be liable for your injuries. This would mean that you could pursue an injury claim with his insurance company and collect financial compensation for your medical bills, lost income, and other damages that you suffered as a result of your injury.
On the other hand, if your slip and fall accident occurred as a result of your own clumsiness, failing to tie your shoelace, poor vision, or because you were impaired after leaving a party at your neighbor’s home, you may be liable for your own injuries.
You can only pursue a claim against your neighbor’s homeowner’s insurance if your neighbor was negligent. If he wasn’t negligent, you can submit your medical bills to your own homeowner’s insurance under Med Pay; however, Med Pay only pays a portion of medical bills. If your injury isn’t too serious or too expensive, it is probably best to use your own medical health coverage and pay your deductible out-of-pocket instead of filing a claim.
If you believe negligence was involved, it is best to contact an experienced slip and fall accident attorney immediately. To talk about your case in detail, call the Law Offices of David Benenfeld at 866-9 HELP NOW or 866-943-5766 for a free consultation with a Florida slip and fall injury lawyer.