Will my parents' home insurance cover my legal fees in a personal injury lawsuit?

"When I was a minor, I got involved in a physical altercation at my parents' house during a party. I was the only person to be charged and convicted, though it was a two-sided fight. Now the other person involved in the altercation has filed a personal injury suit against me. Will my parents' home insurance cover any of my legal fees?

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Answer
“Your parents’ liability coverage on their homeowners policy will typically cover your legal fees resulting from a bodily injury claim or from property damage that you might have caused. But if the other person has filed a personal injury suit against you, that will not be covered because personal injury pertains to incidents that do not involve bodily injury or damage to property, such as slander, false arrest, or libel. “
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Jackie Whalen
Answered on Apr 07, 2021
Jackie Whalen has been in the insurance industry for over 7 years, working in sales, service and claims. She has won numerous awards as a top salesperson and customer service agent. She currently lives in New York with her husband. Her 24 year old son recently moved out on his own which has given her more time to travel, write and train her dog Maisy not to chase her cat, Whiskey.
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