If you suffered an injury in an accident at home, you might have more options for financial compensation than you realize. Claiming compensation for accidents at home could be possible through a negligence case, a homeowner’s claim, or even by filing for workers’ compensation benefits in some situations.
The answers regarding your legal options are not always clear. Discussing your options with a personal injury lawyer could guide you on your pathway forward.
Filing a Claim With a Homeowner’s Policy
Whether or not you can seek compensation through a homeowner’s policy following an accident at home will depend on a few factors. First and foremost, whose home is it? If you suffer injuries at another person’s home due to their negligence, you might be entitled to file a claim through their homeowner’s insurance policy.
If your injury occurs at your own home, your homeowner’s policy might not apply. These policies protect you from liability for injuries other people suffer on your property in most cases. You might not be entitled to benefits if you are hurt in your own home due to no one else’s fault.
If You Are Renting a Home
The outcome of your case might be different if you do not own your home. If you are renting and suffer an injury due to the homeowner’s negligence, you might be able to file a claim with their insurance policy. If an insurance claim is not an option, you might even have a viable personal injury case against them. You could have other types of legal claims as well, depending on the specific terms of your rental agreement.
Ultimately, the language can vary dramatically from one homeowner’s policy to another. While most policies will not provide benefits for the accidental injury of the homeowner, it is important to review the terms of your policy before assuming you are not covered. An injury lawyer can help you review your policy.
For a free legal consultation, call (404) 888-8888
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Pursuing a Lawsuit Against the Makers of a Defective Product
Some injuries in the home would not occur if not for the faulty construction or design of a consumer product. Defective products come in countless forms, and many of these items have the potential to cause severe bodily injuries. Some consumer goods that can lead to in-home accidents include:
- Kitchen appliances
- Cleaning agents
- Children’s toys
These defects can occur in different ways. In some cases, a defect might result from an error made during manufacturing. Other defects are based on the faulty or inadequate design of the product. Finally, defects can also occur when the manufacturer fails to adequately instruct you on how to use the object safely. You could have a viable case for compensation against the manufacturer in any of these cases.
Pursuing a civil lawsuit based on a product defect is different compared to most injury cases. Unlike with a car accident or a fall, many of these cases proceed under a legal theory known as strict liability. That means you are not obligated to prove the manufacturer was negligent in developing the product that injured you. If you can show that a company’s defective product hurt you and you used it as intended, that could be enough to secure compensation.
Seeking Workers’ Compensation Benefits If You Were Working From Home
With remote working on the rise, it should come as no surprise that the National Safety Council (NSC) has reported steady growth in severe and fatal injuries occurring in homes and communities. If you were injured at home while performing a function of your job, you might be able to pursue workers’ compensation benefits.
Georgia law states that workers’ compensation benefits are available for workers injured on the job. If you were injured while performing your normal duties and you are a remote worker, you could have a case – but it could be a challenging one to prove. After all, the insurance company will likely work to dispute your case and look for evidence suggesting that your injury was not work-related. However, this does not mean that you should dismiss your chances of seeking compensation.
In short, determining whether an at-home injury qualifies for workers’ comp can be more difficult for remote workers. The good news is that it is not necessary to prove your injuries were work-related on your own. An attorney from our firm could advise you on whether you qualify for workers’ compensation following an at-home injury.
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Talk to an Attorney’s Team About Your Options Following an Accident at Home
If you suffered injuries in an accident at home, you might be entitled to monetary damages or benefits. The availability of compensation will depend entirely on the circumstances of your accident. However, if another person or entity injured you through their negligence, you could have a viable injury case.
Bader Scott Injury Lawyers is ready to help you review your legal options and determine the best path forward. You could have different avenues to pursue, and we could assist you with each of them. If you are ready to get started on your path towards financial compensation, call 404-888-8888 for your free consultation as soon as possible.