Have you ever taken a really good look at your insurance policy terms? Most of us are aware that our insurance covers standard things like routine checkups with your doctor, physicals, and prescription medications. However, there are also many other things that are covered, including personal injuries, whether from a fall or a car accident. Let's look closer at the injuries covered by insurance and how a personal injury lawyer in Knoxville could help you negotiate.

Types of Insurance Policies

We will get started by taking a look at some of the most common types of insurance policies people have and what they cover. It is common for American adults to have all three of these types of insurance.

  • Health/Medical Insurance - This type of insurance policy is designed to help cover the cost of healthcare. This includes routine checkups, emergency care, illness, injury, surgical procedures, medication, and specialist consultations.
  • Homeowners Insurance - As a homeowner, it is essential to have an insurance policy to help cover losses or damages relating to your property, such as storm damage, fire damage, and roof repairs. However, did you know that it also covers injuries sustained by visitors? If someone is bitten by your dog or falls on uneven flooring inside your home, a personal injury lawyer in Knoxville would pursue damages on their behalf, and your homeowner's insurance could cover those costs.
  • Auto Insurance - When you are involved in an auto accident, your insurance policy helps to cover the associated costs. This includes property damage to your own vehicle or others involved in the accident. It also covers injuries to yourself, your passengers, other drivers, or pedestrians who are hurt in the accident. Like homeowners insurance, your auto insurance will cover damages claimed against you by a personal injury lawyer in Knoxville if you injure someone in an accident that is your fault.

Injuries Covered By Insurance

Now that we have a better understanding of the different types of insurance available let's take a look at some of the injuries that you might not have known are covered by these policies.

  • Explosions - If you are injured in an explosion, your homeowner's insurance will cover the costs of your injuries as long as the blast was not intentional! Similarly, if there is an explosion in another property, such as a hotel, sports arena, nightclub, or store, the property owner's insurance would cover the cost of medical expenses and other necessary support.
  • Product Liability - Did you know that if a defective product causes an injury, your insurance will likely cover the cost of any medical treatment required? However, contacting a personal injury lawyer in Knoxville is best, as you may be eligible for additional compensation from the product's manufacturer and/or retailer.
  • Visitor Accidents - We briefly mentioned that homeowner's insurance will cover any injuries sustained by visitors to your property. This typically includes slips, trips, and falls caused by wet or uneven surfaces but can also cover burns and lacerations. In some cases, it may also cover dog bites, but check your insurance policy as there are certain aggressive breeds that your provider may exclude. Your policy may also cover injuries caused by other animals, including horses or livestock.
  • Pool-Related Injuries - If you have a private pool on your property, any injuries arising from its use are the property owner's responsibility. If your homeowner's insurance policy includes pool cover, it should cover any damages that a personal injury lawyer in Knoxville may pursue on behalf of the injured party. Your insurer may reject your claim if it believes you have been negligent by failing to fence the pool properly, not maintaining filters and valves, having inadequate slip protection, or allowing alcohol consumption around the pool.

What Types of Injuries Are Not Covered

As you can see, many injuries could be covered by your insurance policies, some of which you may not have expected. This is valuable knowledge if you find yourself facing a personal injury lawyer in Knoxville who is seeking damages for their injured client. However, there are a few types of injuries that are not usually covered by insurance. These include, but are not limited to, the following:

  • Self Harm
  • Active Service Injuries
  • Injury from Risky Activities, e.g., Bungee Jumping or Sky Diving
  • Workplace Injury
  • Fights and Physical Altercations
  • Injury Due to Intoxication

In conclusion, understanding what your insurance policies cover can be crucial in protecting yourself financially in the event of an injury—whether it happens to you or someone else on your property. From routine medical care to unexpected accidents like explosions or product defects, insurance can provide a safety net for many situations. However, there are also exclusions to be aware of, and in some cases, seeking legal advice from a personal injury lawyer in Knoxville may be necessary to navigate the complexities of a claim. By staying informed about your coverage, you can be better prepared for the unexpected and ensure you have the right protection in place.

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Butler, Vines and Babb is a leading law firm in Knoxville, TN, with extensive litigation experience in Medical Malpractice Law Birth Injury Law, Trucking Accident Law, Personal Injury Law, and Business Law. Contact us today at www.bvblaw.com or call 865-637-3531.

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