If you’re visiting someone’s home as a guest, you may wonder what happens if you’re hurt on their property. Are they responsible for your medical bills? Can you seek compensation?
The answer depends on how the injury happened. Liability is based on whether the property owner acted negligently or failed to address a dangerous condition. To determine liability and what rights you have, it’s crucial to work with an experienced Louisville personal injury attorney from Grossman Green. We’ll guide you through your next steps with clarity and care.
How premises liability affects accidents on someone else’s property
Premises liability law governs what happens when injuries occur on another person’s property, including their level of liability. It also outlines the legal responsibilities owners have for maintaining the safety of their premises.
Kentucky courts have consistently held that property owners owe a duty of care to lawful visitors. This includes addressing hazards that are reasonably foreseeable and taking reasonable steps to prevent injury.
If you’re injured because of a dangerous condition the property owner failed to fix or warn you about, they may be liable for your injuries. This responsibility applies whether you’re visiting for a social occasion, helping with a project, or simply stopping by. Property owners are required to take reasonable steps to protect guests from harm at all times.
Common causes of premises liability accidents
Many premises liability cases stem from dangerous conditions that could have been easily prevented. Here are a few common causes of liability accidents:
- Slippery or wet floors
- Broken or unstable stairs and railings
- Poor lighting in walkways or stairwells
- Uneven pavement or flooring
- Falling objects or unsafe structures
Knowing the cause of your injury and gathering strong evidence can make a significant difference in the outcome of your claim.
Understanding liability when you’re injured on someone’s property
Property owners owe a duty of care to guests on their property. If they don’t correct or warn you about known hazards, they may be liable for your injuries. But there are situations where others could also share responsibility, like if a third party created the hazard or if an independent contractor caused the dangerous condition.
Your claim also depends on why you were on the property, and if you were an invited guest or otherwise allowed to be there. An experienced premises liability lawyer can help you navigate these factors. For example, a guest invited to a party may have stronger legal rights than someone trespassing on the property. Kentucky law also considers whether the property owner should have foreseen the risk of harm.
What to do if you’re injured on someone else’s property
When you get hurt on someone else’s property, there are a few steps you can take to help yourself and protect yourself legally.
- Seek medical attention for your injuries
- Gather evidence by taking photos, noting the conditions, and getting witness information if possible
- Report the injury to the property owner and exchange contact information
- Contact a premises liability attorney to discuss your legal options
Depending on the circumstances, you may need to file a claim with the property owner’s homeowner’s insurance or pursue a personal injury claim.
What your homeowner’s insurance may cover if you’re hurt on someone else’s property
If you’re injured on someone else’s property, the homeowner’s liability insurance may help cover your medical expenses, lost wages, and related costs. Most homeowners’ insurance includes personal liability coverage, which applies when a guest is hurt due to unsafe conditions on the property.
It’s also important to note that liability coverage doesn’t automatically mean the insurance company will agree to pay your claim. They may dispute whether the homeowner was at fault or argue that your injury isn’t covered under the policy terms. In those situations, documenting the hazard and how the injury occurred can make a significant difference in the outcome of your claim.
Consult Grossman Green today for trusted legal guidance
Suffering an injury on someone else’s property can leave you with questions about your rights and who is responsible for your losses. At Grossman Green, we’re proud to serve Louisville injury victims with trusted, trial-ready legal support and trusted counsel to help you navigate this situation and receive much-needed clarity in your case.
Contact our office at (502) 657-7100 or schedule a free consultation online today to speak with experienced injury lawyers about your case and determine your options.