Insurance can cover a wide range of expenses, from routine checkups and physicals to unexpected illnesses, but you may be surprised to learn that your insurance coverage may cover a lot more. Many injuries are covered by insurance, whether caused by a fall or an automobile accident. Talk to a personal injury lawyer in Cedar Rapids today to learn more.
Types of insurance policies
The majority of Americans have three or more insurance coverage.
- Medical
These insurance policies are intended to help cover the costs of normal and emergency care, such as illness, injuries, routine services, specialists, and medicines.
- Homeowner’s
Storm damage, roof replacements, tree services, and damaged windows are covered under homeowner’s insurance coverage. These policies also cover injuries sustained by visitors while on your property, such as dog attacks from covered dog breeds, falls, trips, and slips.
- Automobile
Car insurance coverage covers the costs of car accidents. These may include property damage to your car or other vehicles involved in the incident, structural damage, and injuries experienced as a result of the collision to yourself, other drivers, or pedestrians. These policies cover all cars and types of vehicles, including RVs, boats, and motorbikes.
Other injuries covered by insurance
In most cases, your injuries are covered by your medical, auto, or homeowner’s insurance policy. You are probably aware that these plans cover burns, falls, and lacerations, but did you realize that they can also cover some unexpected things?
- Explosions
As long as the explosion was not intentional, injuries caused in your house are covered by homeowner’s insurance. If an explosion outside the home causes an injury, the property owner’s insurance or the entity in control of the location will cover it.
- Injuries sustained by passengers in your vehicle
All passengers in your vehicle, as well as passengers in other vehicles, should be covered by your auto insurance policy. If you have purchased an add-on and the accident was not your fault, your auto policy may cover injury suffered by your pets if they were in the car at the time of the incident. The other driver’s insurance will cover your pet’s injuries if the other motorist is at fault. If your pet is a frequent passenger in your car, read the fine print of your car insurance policy to see any possible add-ons.
- Injuries from defective products
If a defective product causes an injury, your insurance policy may pay the treatment costs. But, many more parties might be made accountable for these types of accidents, so it is always a good idea to consult with an experienced personal injury attorney and file for additional compensation.
