One of the most important reasons to carry home insurance is that it comes with an added amount of liability coverage. While this type of insurance protects you against many things, it also helps provide monetary assistance to anyone outside your immediate family who is injured while visiting your home.
For example, if a delivery person slips on your cracked driveway and breaks their arm, your home insurance might cover a portion of their medical bills. Likewise, if your dog bites your child’s friend, this could also be covered.
So, what steps should you take if a situation like this occurs? Here’s what to do if someone is injured while visiting your Garden Grove, CA home.
Step #1: Medical Treatment
Before anything else, make sure your guest gets the medical treatment they need. If this is a major incident, call emergency services immediately. For something minor, they can opt to visit their local physician. If they feel they aren’t seriously injured enough for treatment, take note of this.
Step #2: Call Your Trusted California Insurance Agent
Next, you’ll want to give our team at Golden Way Insurance Services a call. We can help you decide whether the incident needs to be reported to your homeowner’s insurance carrier or if it is still too soon to decide. If it is necessary to file a report, we’ll help you get this done.
Step #3: Discuss the Situation with Your Home Insurance Company
If your guest’s injuries are major or they are seeking treatment with a physician, your home insurance company will let you know the next steps necessary in filing a liability insurance claim. They will likely assign a specific adjuster who will ask you about the incident and the person involved in the claim.
Not sure what your current liability limits are on your home insurance? Please contact our Golden Way Insurance Services team in Garden Grove, CA today to schedule an appointment.