The first thing to clarify is that Fremont, CA Renters Insurance liability and medical payments coverage are both for people who don’t live in your home. That’s a given, but it bears repeating because it’s sometimes misunderstood. But if you’re the insured, and someone is hurt, will your renters insurance in Fremont take care of it?
Generally the answer is yes. The entire point of liability coverage is to pay for losses caused by your negligence that result in bodily injury or property damage to someone else. So let’s say you’ve called out for Chinese. You’re expecting the delivery, so you open the door when the delivery driver is trying to knock. They overcorrect and misjudge and fall flat into your living room.
Can renters insurance in CA take care of those injuries, even though he was on the job? Absolutely. You just make the insurance company aware of the claim, and they take it from there. In this scenario, one of three things is likely to happen.
First, your medical payments to others coverage could take care of minor injuries – cuts, scrapes, that sort of thing that wouldn’t necessarily rise to the level of a liability claim or where fault wouldn’t be terribly relevant.
Your liability coverage could take care of the injuries. This would pay for the bodily injury, as well as associated expenses, to make the individual whole. This is most likely if the delivery driver is a contractor or otherwise doesn’t have workers comp of any kind. This is fairly common in the food delivery business, so your liability coverage is important.
If the driver is an employee, you may find that their employer’s workers comp policy will pay for the injuries and then may look to your policy for reimbursement. That process is called subrogation, which is a really long word for “one insurance company suing another to get their money.” If the workers comp insurer thinks that you’re liable, they’ll take action against you (your policy, actually) to recover the money they paid out. This would be handled by your insurer – you might have to answer a few questions, but your involvement in the process is generally going to be pretty minimal.
Your renters insurance in Fremont is there to protect you from exactly this sort of unexpected happening that could cost you significant money, or even future earnings. If you don’t have renters insurance, now is the time to get covered. It’s affordable, starting at around fifteen dollars a month, and easy! Just call (800)892-4308 or click to get covered - whether you need Fremont renters insurance quotes online or coverage anywhere else!
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