Just as auto insurance provides liability coverage in the event a driver is sued for causing an accident, most Georgia homeowners’ insurance policies protect the homeowner in the event that someone is injured on their property. For example, if the homeowner was negligent in maintaining their driveway and someone has a trip-and-fall accident, the homeowners’ insurance carrier could be on the hook for the victim’s medical bills and other damages. As with any kind of insurance claim, it is important for the owner to promptly notify the homeowners’ insurance carrier anytime there is an accident that may lead to litigation.
Travelers Indemnity Company of America v. Jones
If there is any way for an insurance company to avoid paying a personal injury claim, it will take it. Consider this recent decision by a federal judge in Athens. This case arises from particularly tragic circumstances. A 23-year-old woman was going to a party at a house in Athens. But as she was still seated in her car, she was struck and killed by a stray bullet, the byproduct of a gun fight between two groups on the property.