Third party accidentally burned me at a bonfire on a friends property. Would the property owners insurance cover medical bills and rehab?

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Asked September 10, 2012

1 Answer


If you were accidentally burned at a bonfire on a friend's property, it is possible that the property owner's insurance may cover your medical bills and rehabilitation, depending on the circumstances of the accident. In general, the property owner's liability insurance policy may provide coverage for injuries sustained by third parties on the property. This coverage may include medical expenses, rehabilitation costs, lost wages, and other damages. However, the specific coverage and limits of the policy will depend on the terms of the insurance policy and the nature of the accident. For example, if the property owner was negligent in some way that contributed to the accident, such as failing to properly supervise the bonfire or failing to provide adequate safety equipment, the insurance company may be more likely to provide coverage. To pursue a claim against the property owner's insurance policy, you will need to document your injuries and provide evidence that the property owner was at fault for the accident. This may include medical records, witness statements, and photographs of the scene of the accident. It's important to note that even if the property owner's insurance policy does provide coverage for your injuries, there may still be limits to the amount of compensation you can receive. In addition, you may be required to pay a deductible or other out-of-pocket expenses before the insurance company will provide coverage. If you are considering pursuing a claim against the property owner's insurance policy, it may be helpful to consult with an experienced personal injury attorney who can help you navigate the legal process and protect your rights.

Answered September 10, 2012 by Anonymous

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