will my homeowners policy coverage the medical bills for a friend I had invited to a party who was assaulted by another friend I invited to the party
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UPDATED: Jul 11, 2012
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Insurance Question from Philadelphia, PA
Asked on 07/11/2012
will my homeowners policy coverage the medical bills for a friend I had invited to a party who was assaulted by another friend I invited to the party NULL
Answer given on July 16, 2012
Homeowner insurance includes liability coverage for you if you are considered legally liable for injuries that occur at your residence. If you were having a party and someone was hurt, and you were responsible, then your insurance will defend you and pay any settlement determined, up to your policy limits.If your friend assualted another person at your residence, then you may or may not be resposible. If the friend was intoxicated and you provided the alcohol, then you could be considered responsible. However, if there was just an altercation between the two parties, then you may not be responsible. The friend who caused the injuries may have to file a claim with his insurance company for the injuries. However, most policies exclude intentional acts, so his insurance would not respond for his defense.If the injured friend claims you are responsible, then you should file a claim with your insurance company. They will investigate and determine if there is a valid claim or not. Even if they deny the claim, if the other party files a suit, then your insurance company will defend you in court and if you are found liable, they will pay the amount determined in court.
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