Basic Homeowners Insurance – Are Personal Injury Claims Covered?

Playground injuries

There are few things that are more satisfying than being able to sit back and watch your children playing in a playground. You assume your children will be safe however unfortunately playground injuries are more common than you may realise.

Concerns have been raised about the number of playground injuries since the 1970s and various safety measures have been introduced in an aim to reduce the number of playground injuries reported. However there are still a great deal of playground injuries sustained annually, approximately 40,000 per year.

If your child has sustained injuries whilst in a playground which were caused through no fault of their own, you may be able to pursue a personal injury claim for compensation. If you have a basic homeowners insurance policy it would be advisable to ascertain whether you have legal expenses cover included in your homeowners insurance policy.

If your basic homeowners insurance policy includes legal expenses insurance it is likely that there is a section of cover within your policy to assist you with a personal injury claim. There may be many reasons why children sustain playground injuries. It could be due to faulty playground equipment or unsafe play surfaces. The surface of a play area should be soft and of sufficient depth to be able to cushion a child’s fall. If this is not the case, the playground owner or manager could be legally liable for any playground injuries that arise as a result.

The first step in bringing a claim for compensation is to notify your homeowners insurance legal expenses provider. you will need to explain what has happened so it is a good idea to keep a diary of what happened and details of any medical treatment provided to your child. Also make sure you keep a note of any witnesses and also take photographs of the injury and accident location. It is important to ensure you photograph the exact cause of the accident if it is possible to do so i.e. the faulty equipment.

Your homeowners insurance policy will state any exclusions and conditions relating to the personal injury section of cover. Be sure to check through your basic homeowners insurance policy to familiarise yourself with the wording.

It is likely that your homeowners insurer will send you a claims form to complete and return it to them. It is a good idea to include copies of all evidence you have to support your claim, for example, copies of photographs, witness statements and so forth.

If it transpires that you do not have any legal expenses cover under your basic homeowners insurance you may still have access to a legal helpline. If this is the case it is likely you will be able to speak to a legal adviser about the accident and ask for advice about whether you have a case or not.

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