So how does Abilene, TX Renters Insurance give you medical coverage? Well, technically it doesn’t give you medical coverage – it gives you coverage for medical expenses of others. That then forces us to ask the question of what circumstances might give rise to you paying someone else’s medical expenses.
What sorts of situations might those be? Let’s say you have a guest in your home and, for reasons no one can discern, they trip and fall over their own two feet and twist their ankle. No one is liable, no one was negligent. Your guest isn’t even a particularly clumsy person. Your carpet wasn’t loose or poorly maintained. It’s just one of those things that life throws at us.
Or let’s say that UPS comes around with a package that you’re very excited about. You sign for it, take the package, and try to run back inside. You’re so excited about this package that you slam the driver’s hand in your door. Both of these examples are minor injuries, and there’s not really fault to be found – you were a bit quick with the door, but the driver knew or should have known that you’d be closing the door, and so your negligence really doesn’t enter into it.
How would you deal with either of these scenarios if the injured parties looked to you to cover their medical expenses? You’d file a claim against your Abilene Renters Insurance under the medical payments to others coverage. Fault isn’t an issue under that coverage, the fact that there a) was an injury b) to a guest c) on your premises are the necessary elements for coverage to apply.
But what if the UPS driver’s injuries are more severe? Let’s say he had his whole arm through the door when you closed it, and you knew or should have known that closing it would injure him. You did it anyway, without thinking. In that case, you’re the negligent party. What will more than likely happen is that his workers comp will pay for the injuries since he was working, and then that policy will look to your liability coverage for reimbursement of those expenses.
The liability coverage on your renters insurance in Abilene will cover those costs, as well as handle negotiating the subrogation from the workers comp carrier. All you have to do is answer a few questions from your insurance company. This is far superior to having the workers comp insurer trying to get their money back from you directly, of course.
There are a million other potential scenarios where you could need to take care of someone else’s medical expenses with your renters insurance policy. If you have kids, and they have friends who visit, you’d better make sure your policy is up to date because kids hurt themselves with alarming frequency. It’s just another way to protect yourself and smooth out the way your life works.
To find out about medical payments on renters insurance, or to get covered, just call (800)892-4308 or click to get covered - whether you need Abilene, TX renters insurance quotes online or coverage anywhere else!
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