Injured at sisiter's house, should home owner's insurance reimburse lost wages?

Answers: Her policy could pay but an big question is "Was she legally liable for your injury?"

Was her home unsafe? Did she not enjoy her pet under control?
Your sister's home owners insurance, renters for that matter, will pay for your "medical expenses," up to the confines stated in her policy and that is commonly, and sadly, only $1,000 although it is affordably capable of human being raised to even $25,000 or $50,000 for just a few dollars a year. [Most insurance agents won't usually recomend difficult limits because they don't want to boost your premium and risk losing a new customer.] And to be precise all unless you sue her, and win your case for any other liability. The ultimate amount in her policy will be the liability insurance amount that will cover her for folks like you that could sue her as mortal personally liable for injuries. A lot more than just lost wages can come to play next, things like, unpaid bills, loss of use of (whatever), loss of love with your spouse, loss of anyone able to clean your own house, and the account goes on..... The question go back to how bad do you want to stick it to your sister becase her premiums are going to move about up pretty much in proportion to the amount of the winning claim. Expect to hold to list, in great detail, adjectives the loses you are claiming-- with written proof of everything! Unike life insurance claims, which are pretty much "cut and dried," similar to all you need is the passing certificate, liability claims are subject to all sorts of proof and information, receipts, photographs, video recordings, and more to verify your claims of loss. Oh well, so much for relatlionships. Whatever. Source(s): Over 15 years as an insurance agent.
Her homeowners policy WON'T pay your lost wages, unless you sue her for causing the injury, AND WIN. That manner, the injury was HER FAULT, not "oh I slipped" or "oh, I wasn't looking where I be going and walked into a door".

It ALSO has to be an disaster - ie, if she punched you, even if you sue her, her insurance policy won't pay, she'll have to settle you directly. Source(s): agent, 21+ years
Not without a lawsuit and a jury trial. This will show if at hand was any contributory negligence.

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