Medical payments to others covers injuries that happen to a visitor in your home no matter who is at fault. Medical payments covers smaller claims, and the limits on most homeowner’s policies range from $1,000 to $5,000. Unlike personal liability claims, medical expense payments are not based on negligence. No negligence has to be proven for payments to be made to an injured person.
If an accident does take place in your home, take pictures and write down as much information as you can to file a claim. This helps the claims process run smoother. This will also protect you if the injured party tries to make false claims against you.
Do you need more information about homeowner’s insurance? Our agents and customer service representatives are here to help. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.
*Please review your own policy carefully for details on homeowners insurance. Homeowner’s insurance varies by insurance company and policy.