Legal Question in Personal Injury in Florida
my daughter broke her foot at a party and the bills are rollin in. is the hosts homeowners insuraance responsible and if so to what extent
2 Answers from Attorneys
If the host was negligent, and had an usafe condition that would have been discovered with a reasonable inspection of the property, then the host-homeowner may be responsible. Unsafe conditions would include: missing handrails, holes in the floor (covered by a rug), inadequate lighting, etc, that the host should have discovered, and either repaired or warned his guests of this hazard.
On the other hand; if your daughter was "fooling around" being careless, reckless or simply tripped over an open and obvious trip hazard, (a curb, a toy, a pair of shoes) then this injury is just an accident and you will have to pay the bills.
Many homeowners policies have medical payments coverage to pay medical bills regardless of any negligence. Ask the host for this information.There can be $5,000, $10,000 or even $25,000 depending on the value of the home.
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