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For better or worse, personal injuries are common, and many families and organizations find themselves on the hook for expensive medical bills and legal costs. An injury to another party could become a serious threat to you and your family’s well-being. Taking out personal injury liability insurance makes it possible to protect your family and finances from some liabilities and risks.
Personal Injury Liability Insurance Explained
Personal injury liability insurance could provide coverage if someone is injured in or out of your home, and you are liable for that injury. Of course, examining each plan is crucial to determine what is and what is not covered. Policies may vary. Some personal injury liability insurance programs cover costs from injuries on and off your property. Some policies may extend coverage to all members of your household. Contact Freeland Insurance, serving Oklahoma City, OK, if you’d like to explore personal injury liability insurance.
Generally, personal injury liability insurance will provide coverage when the policyholder is liable for an injury. The policy owner may have failed to fix a railing on a stairwell or caused an accident, for example. If someone is hurt, personal injury liability insurance might pay medical bills, legal fees, lost income, and other costs.
Home and auto insurance may contain provisions and coverage for personal injury liabilities. However, talking with an insurance agent is crucial to ensure coverage is provided. Further, you may want to expand or increase coverage even if coverage is provided. This way, you can ensure that you are better protected against personal injuries.
Personal injury liability insurance may also be provided as part of an umbrella plan. Once again, however, it is crucial to study individual insurance plans to determine what is and is not covered. It may also be possible to take out personal injury protection (PIP) to cover the policyholder’s injuries. This way, if you get hurt, you may be covered.
Get in touch with Freeland Insurance, serving Oklahoma City, OK, if you’d like to discuss personal injury liability insurance.