Homeowners insurance is something that most people obtain and then forget about. After all, it’s not every day that an emergency occurs and forces you to dig up your policy information. If something does happen on your property, knowing how to handle the situation can save you plenty of stress in the long run.
In a recent article on the Equifax Finance Blog, “
Homeowners Insurance: Someone Gets Hurt On Your Property” Linda Rey offers advice for homeowners on what to do if someone gets hurt on your property.
If an accident does occur, you should first assess the extent of the injuries and determine whether or not to call 911. Depending on your relationship with the injured person, you may want to contact the police so both parties can make statements.
After that, try and take photos of everything – the injury (if possible) and the area where the accident occurred.
People with up-to-date insurance policies should have an attorney on retainer who will defend you if you are sued. If the injured party is merely looking for reimbursement of medical costs, your insurance policy should cover those expenses.
Regardless of the situation, call your insurance agent for guidance. An agent can help you much better if he or she knows about any injuries or potential claims right when they happen.
For more insurance advice, visit the
Equifax Finance Blog often. Let us know if this advice has been helpful.