Negligence is required in a liability claim, which means your actions or inactions must provide an unreasonable standard of care leading to the incident. You are not liable for your neighbor's injury-related damages unless negligence is involved.
Homeowners insurance policies typically provide $100,000 for personal liability coverage. It's best to choose a liability limit high enough to protect your financial assets. Many homeowners insurers offer personal liability limits of $300,000 or $500,000. Consider a personal umbrella policy if you need more coverage than this.
Negligence is not a factor for medical payments coverage. Medical payments pays when someone is accidentally injured on your property or injured by you, a member of your family or even your pet. It covers medical expenses like doctor and surgical fees, X-rays, hospital costs and more. It does not cover time off work or pain and suffering. The injured party cannot reside with you to receive medical payments.
Check your homeowners insurance policy's medical payments limit for the maximum payout amount. Homeowners insurance policies often have a $1,000 limit for medical payments coverage. Higher limits ($2,000, $5,000, $10,000) may be available for an additional fee, but must be in place before the claim occurs.
Contact your homeowners insurance agent to submit a claim or raise personal liability or medical payments coverage limits.