A: Someone who sustains injuries after an accident on a neighbor’s property may be able to make two separate claims on the neighbor’s homeowners insurance policy: bodily injury and medical bills. It is important to note that the ability to make these claims depends on the facts and legal issues of the case. Therefore you should be sure to speak to an accident lawyer immediately. The following is for general information only.
Under Pennsylvania and New Jersey law, those injured on the property of another may be able to make tort claims against the property owner if there is evidence that the owner was negligent in causing the accident. For a tort claim against a neighbor there must be evidence of negligence such as failing to repair or fix a defect or failing to warn of a hidden danger.
For example, a neighbor who knows of a large, uncovered hole on the premises and fails to warn someone who is lawfully on the premises about the hole may be subject to liability if that person falls into the hole.
In addition to a bodily injury claim, some homeowners insurance policies carry what is known as “med-pay” coverage. This is a small amount of money (usually between $1,000 – $10,000) available to people who are injured on the insured property. Usually, these claims may be made without regard to fault. However, most homeowners insurance policies impose time restrictions on making the claim. Many insurance policies require that the claim be made within 1 year of the date of the accident. To learn more about homeowner liability for negligence, click here.
Related fall accident content:
- Pennsylvania Fall Down Accident Law – A Homeowner’s Liability to Yard/Garage Sale Guests
- Water on the Floor – Pennsylvania Slip & Fall Accident Law
- Pain and Suffering Damages in a Pennsylvania Slip and Fall Lawsuit
Philadelphia Slip & Fall Accident Lawyers
Schwartz & Blackman has been representing the injured and their families for over thirty years in slip and fall accident cases. Our firm offers a free consultation for all Pennsylvania and New Jersey injury and accident victims. Call now and ask for your free consultation. 215.925.4451
Schwartz & Blackman handles fall down accident cases in the Pennsylvania and New Jersey area:
- PA: Berks County, Bucks County, Chester County, Delaware County, Montgomery County, Philadelphia County, Allentown, Lehigh Valley, Norristown, Philadelphia
- NJ: Atlantic County, Burlington County, Camden County, Gloucester County, Mercer County, Middlesex County, Monmouth County, Camden, Cherry Hill, New Jersey shore cities
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