Injured man meeting with attorneys

Are Slip and Fall Injuries Covered by Homeowners Insurance in South Carolina?

Injuries incurred in premises liability cases can be significant. Luckily, most homeowners’ insurance policies cover slip and fall injuries. As a South Carolina slip and fall accidents attorney, I created some basic understanding of how your homeowner’s insurance can cover slip and fall injuries if they were to occur.

Understanding Basic Homeowners Insurance 

Your homeowner’s policy covers four traditional areas:

  • Your home’s physical structure
  • Your personal belongings inside the home
  • Liability protection
  • Coverage for additional living expenses

The primary focus here is liability protection. Most homeowners are unaware of whether a claim or a defense of a claim will be covered should a slip and fall occur on your property.

Common Liability Claims

There are many types of liability claims protected under a homeowners insurance policy. But the most common are:

  • A guest slipping and falling
  • Tree branches fall and cause damage to your neighbor’s property
  • Dog bites

Whether any of the most common liability claims happen, your homeowner’s insurance will provide liability protection and legal defense.

Liability Protection 

Liability is legal protection for you in case of lawsuits for bodily injury or property damage that you or your family members cause to other people. Liability protection also provides no-fault medical coverage for a slip and fall injury. Be aware that the amount of medical coverage is based on your policy limit and will not surpass that. Also, note that it does not pay your own family or pet’s medical bills.  

Legal Defense 

If someone were to slip and fall on your property, your homeowner’s insurance would pay for your legal defense when a liability claim is held against you or damages. For example, if you forget to shovel your driveway because of snow and someone falls and gets injured, your homeowner’s insurance will provide you with an attorney. 

Don’t Wait to Contact

Homeowner’s insurance policies are already too hard to understand and navigate. If you are ever unsure whether your policy covers slip and fall claims, we can provide you with a free review of your policy. Our South Carolina personal injury attorneys are here to help and provide you with a defense. Get in touch with our office today for a free consultation.

slip and fall accident

What Are the Most Common Slip and Fall Injuries?

Slip and fall accidents account for some of the most frequent injuries treated in South Carolina emergency rooms. While some slip and fall injuries are minor and immediately apparent, many are not visible and may be life-threatening. 

South Carolina personal injury attorneys urge all slip and fall victims to protect their health by seeking a thorough medical exam following the incident. Attending physicians will assess your physical condition after the fall and advise you regarding common slip and fall injuries and their symptoms.

What are the Most Common Slip and Fall Injuries?

Slip and fall accidents can happen anywhere, at any time, and in any condition, and can easily wreak havoc in victims’ lives through resulting injuries. Five of the most common slip and fall injuries include: 

Bruises and Soft Tissue Injuries

Bruises and soft tissue injuries often appear days or weeks after a slip and fall accident. While mild bruising generally heals on its own, other soft tissue injuries may cause severe pain and require medical treatment.  Soft tissue injuries include torn ligaments, ripped tendons, wrist, and ankle sprains.

Cuts and Abrasions

Cuts and abrasions are generally considered among the milder injuries suffered in slip and falls. However, they can also indicate more serious underlying injuries and should be attended to by medical professionals. Cleaning the wounds promptly will reduce the risk of infection and determine if stitches are required or if other associated injuries such as broken bones or internal trauma exist.

Hip Fractures and Dislocations

Hip injuries are fairly common in slip and fall accidents, particularly in older fall victims. Hip fractures and dislocations often require surgery and physical therapy for complete recovery, both of which are painful, prolonged, and costly. 

Head Injury

Concussions and traumatic brain injuries are among the most devastating slip and fall injuries suffered by fall victims.  Because these injuries are not immediately evident, the risk of life-threatening complications is high. TBI symptoms are often undetected or mild at first, leading to a devastating delay in much needed medical diagnosis and treatment.  

Back Injury 

Back injuries run the gamut from compressed and dislocated discs to severed spinal cords resulting in paralysis.  If you suffer a slip and fall injury and experience any pain in your neck or back, you must immediately seek medical attention.  It is best not to move and receive medical attention on-site or to be transported by emergency responders to the nearest hospital for immediate treatment. 

Contact a South Carolina Slip and Fall Injury Attorney Today

If you or someone you love has suffered a  South Carolina slip and fall accident, seek medical treatment immediately.  Your health and well-being are your first priority.  

After you have been attended to by medical professionals, you may experience feelings of confusion and anger, questioning what caused the fall, and if anyone is responsible. 

An experienced personal injury attorney can help you sort through your questions and determine if you are entitled to compensation for your injuries.

Contact our office today for a comprehensive case assessment with a qualified South Carolina personal injury attorney. Together, we will review the facts of your accident and strive to win you the compensation you deserve to aid in healing and recovery.