Can I get my neighbor's insurance company to cover my medical expenses after an accident?

"I was helping my neighbor clean out the gutters on his property when I fell off a ladder. I broke my ankle and I can't work for two months. Can I file a claim against my neighbor's home insurance to cover my medical expenses?

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Answer
“Yes, you can try to file a claim. The first step in this type of loss would be to contact the neighbor’s insurance company and let them know about the injury. If they accept the claim, then you may not have to go through a lawsuit and the company will help with your medical expenses.
You do want to make sure that you report the injury to the insurance company as soon as possible. Insurance companies do not want to go to court or pay lawyers’ fees, so most will be able to settle out of court.
However, if they do not want to settle out of court or if their offer is not enough to cover your loss, then you can proceed with a lawsuit against your neighbor — but in most states the fault will be distributed between the parties. If you fell due to your own negligence or a failure to follow safety precautions when using the ladder, your neighbor may not be at total fault for the loss. If your neighbor provided a faulty ladder that broke, then there may be a different outcome.
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Savannah Grabek
Answered on Apr 06, 2021
Savannah Grabek is an expert in Personal Lines insurance. She has 5 years experience in the insurance industry. Savannah began her carrier working with just property insurance and is now tenured in all personal line including home, auto, motorcycle, boat and umbrella. She previously worked for GEICO and has now been working with Jerry insurance for the past year. Savannah lives in New York with her son, fiancé, and puppy Bear. In her free time she enjoys spending quality time with her family and hiking with her dog.
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