Personal Injury Insurance

Personal Injury Insurance

In the world of personal injury claims and settlements, personal injury insurance stands out as a fundamental building block of personal protection. There are many people who “get-by” without personal injury insurance and much depends on how much you have to lose. For those of us who do have plenty to lose, personal injury insurance is one of the tools that should be firmly embedded in our shed of insurance policies.

Personal Injury Insurance in the Home

What do pools, dogs and trampolines have in common?

You guessed it, all of these domestic distractions are a liability, in some cases an insurance company may not cover you if you own a certain breed of dog or a trampoline. If you have a trampoline or a pool it is a reasonable assumption that you may also have children. Most likely your children have friends that will be visiting your home and using your amenities.

In the worst case a child from next door would be bitten by your dog while visiting your son or daughter and fall off the trampoline into the pool and be seriously injured.

Ok, unlikely but not impossible. The point is with this type of liability it may serve you to review your homeowner’s insurance policy and look at the section regarding personal injury. Ask your insurance professional if they think you are covered for the unlikely scenario listed above.

Personal Injury Protection in Automobile Insurance

Most personal injury claims come from automobile accidents. If your insurance company offers personal injury protection, you may want to consider reviewing the options for uninsured or under insured motorists. For example, if you are driving down the road and you are struck by an uninsured motorist, they will not be able to provide compensation for injury or loss of property. With the right type of automobile insurance, you will be able to protect yourself from this type of scenario and receive compensation for your injury or the value of your property.

Personal Injury Insurance in the Business

If you own a business you should review your personal injury insurance and make sure your interests are protected. There are a multitude of accidents and injuries that could occur while a customer is on your property. Review your business insurance to make sure you have provided enough coverage to allow for the many different types of personal injury claims that could be made against your business.

Personal Injury Insurance

Personal injury insurance is necessary in the Home, Automobile and in Business. The key is to reduce your liability by reviewing your current insurance policies with an insurance professional and make sure you are covered in any of the areas listed above.