Can you make an insurance claim and someone else a homeowner after injury that required medical attention occurs at their home?

In most cases, yes, you can make an insurance claim against someone else's homeowner's insurance after an injury occurs at their home that requires medical attention. However, the specific details and requirements may vary depending on the jurisdiction and the specific circumstances of the claim. Some key factors to consider include:

1. Premises Liability: Homeowner's insurance policies typically cover liability for injuries that occur on the insured's property due to negligence or a failure to maintain the property in a reasonably safe condition. If you were injured on someone else's property and believe that their negligence was the cause, you may be able to make a claim against their homeowner's insurance.

2. Causation and Damages: To successfully make a claim, you will need to establish causation, which means showing that the property owner's negligence directly caused your injury and resulting medical expenses. You will also need to provide evidence of the medical attention you received and the associated costs.

3. Time Limits: Most states have statutes of limitations for personal injury claims, which set a deadline for filing a lawsuit. It is essential to be aware of these deadlines and to file your claim within the specified time frame.

4. Insurance Policy Coverage: Homeowner's insurance policies vary in their coverage limits, deductibles, and exclusions. It's important to review the specific policy of the homeowner in question to determine the coverage available and any potential limitations or exclusions that may apply to your claim.

5. Legal Advice: Given the complexity of personal injury claims and insurance matters, it's advisable to consult with an attorney who specializes in these areas. They can help you assess the strength of your claim, navigate the legal process, and negotiate with the insurance company on your behalf.

It's important to note that the process of making a claim against someone else's homeowner's insurance can be challenging, and the outcome may depend on various factors such as the specific circumstances of the injury, the applicable laws, and the insurance policy provisions.