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Other Accidents
High Point Regional wishes to share
the following list of standard benefits of property insurance
policies. The guidelines below are neither all-inclusive nor
required, but are the basic standards used by the majority
of insurance companies.
Homeowner's/Renter's Insurance
If the homeowner/ renter has medical payments coverage, it
usually will not cover regular residents of the property.
It will normally cover employees, visitors and injuries caused
by animals of the property owner.
Landlord Premises Medical
This form of insurance usually does not cover injuries if
they occurred in the area routinely occupied by the renter.
However, the landlord may be held liable if the injury was
the result of neglect on the part of the landlord. Premises
Medical will usually pay without liability action being needed.
A landlord’s Premises Medical will usually cover injuries
in hallways, parking lots, etc., which the renter does not
routinely occupy.
City Owner's Premises Medical
While this does not typically cover injuries on streets or
sidewalks, it may pay for injuries in parks or other city-owned
areas or buildings.
Business Owner's Premises Medical
Injuries incurred on the property (indoors or out-of-doors)
will normally be paid for regardless of fault. However, the
injured party may have to assert their rights through small
claims court or other legal forums to force the business to
pay. This coverage normally will not cover the insured business
owner or employees.
Nursing Home Premises Medical
This type of insurance may only cover visitors to the nursing
home who are injured on the property. Some policies cover
residents/tenants. Check with your nursing home administrator
for details of coverage. |
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