Home > Research Legal Advice > Lawsuits / Disputes > Can someone sue my home insurance? Can they sue me personaly?
Asked about 3 years ago - Chattanooga, TN
FlagIt has been raining,wet and muddy all day. later that day when the rain stop someone slip and fall on my property and they broke their ankle. I reported the claim to my home insurance, but now they are not happy with my insurance offered. can they sue my insurance company? If the insurance denied Can they sue me?
Most questions get answered by a lawyer within a few hours.
Until then, the questions below might help you.
No, the individual cannot sue your insurance carrier. Why?
Because your homeowner’s liability policy is written as an indemnity agreement and not a third party beneficiary agreement.
Which means that the insurance company agrees to pay on your behalf, any amount up to the policy limits that you are found legally obligated to pay a third party claimant - provide the nature of the claim is within the protective coverage stated in the policy.
Also, in order for you to be held liable the claimant must prove that your negligence was the proximate cause of the slip and fall. And unless you were doing an unannounced “rain dance” resulting in the wet sidewalk, he or she has no lawsuit.
Your company knows this better than me. So their offer of settlement was likely made as a nuisance token.
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