As a tenant of an apartment or similar residential rental, your landlord has a duty of care to ensure that all common areas of the complex are safe and free of foreseeable hazards. But accidents and personal injuries do happen, which leads many tenants and their guests asking, “who is liable?” and “will renter’s insurance pay out an injury claim?”
As a renter, it is wise to educate yourself on premise liability, both your role in liability as well as your landlord’s. Continue reading to learn more about what renter’s insurance general covers, and what might or might not be covered in the case of a personal injury claim for yourself, a member of your household, or a visitor.
Renter’s Insurance Coverage Basics
All renters, whether of a condominium, apartment, townhouse, or single-family home, will be required to have proper renter’s insurance coverage. There are various scopes of renter’s insurance, ranging from minor coverage to maximum coverage; it all depends on what is required by the leaser and what is in the renter’s budget.
Such coverage, in all scopes, does cover a basic number of items, such as clothing, furniture, electronics, and other personal belongings in the case that they are lost, stolen, or otherwise damaged. More extensive insurance might cover a lot more, including liability in the case that a guest is injured in your residence.
Injured Tenants Versus Injured Guests
Renter’s insurance does not cover personal injuries to tenants, nor any members of the tenant’s household. However, depending on the type of policy selected, some renter’s insurance does cover personal injuries suffered by guests of tenants, but only if the tenants are at-fault for the accident that caused the personal injuries.
Tenants are protected by premise liability laws that require landlords and proprietors to maintain a safe and hazard-free environment in all common areas for both renters and visitors. This includes parking lots, sidewalks, walkways, trails, lobbies, entrances, hallways, stairs, community rooms, fitness centers, ponds, and swimming pools. So, if a tenant or their guest is injured on the premises due to landlord negligence, such as poorly maintained common areas, it would be the landlord who is legally responsible for the victim’s personal injuries.
In all cases in which the landlord is to blame for a tenant or visitor’s accident and subsequent injuries, they are the party responsible. In such as case, a victim would hire a personal injury law firm to file a premise liability claim and recover compensation for their damages and losses, including hospital bills, medical expenses, lost wages, and more.
If a guest or visitor is injured inside a tenant’s residence, it can be trickier trying to determine fault. There are many cases in which both tenant and landlord are held partially at-fault for indoor accidents to tenants and guests. To avoid liability as a tenant, it is vital to hire an experienced accident lawyer to represent your personal injury claim.
Did you slip and fall or involved in an accident on another’s property, and now you are seriously injured? Contact Carl Brizzi LAW at 317-636-7497 to learn your rights to pursing legal action against the at-fault party through a premises liability claim in Indianapolis, Indiana.
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