I was attacked by the next door neighbors live in girlfriend. She is now serving a prison sentence for the attack, I won by default a civil lawsuit in the amount of $20,000.00 against her.
Home owner's insurance does not cover criminal acts. You likely won't be able to collect anything unless your attacker has money. Since she is in prison, she cant work, so you cant garnish her wages. There are some other collection procedures, but depends if she has any assets.
Homeowners insurance doesn't typically cover intentional or criminal acts.
Always consult an attorney IMMEDIATELY as there are time limitations on filing a lawsuit.
Easier said than done. Many if not most insurance policies have disclaimers for intentional acts. Also, if they were't placed on notice of the original suit they may disclaim on that basis as well. If you have an attorney he can provide you with more information. If not you should consider scheduling an appointment with a local lawyer who has experience in insurance coverage issues. Also, consider an asset search to see if the defendant has any assets.
if the lady's boyfriend owned the house, and he knew or should have known of the lady's dangerous propensities, then arguably he had a legal duty to warn guests who he invites onto his property...This is in essence the same legal theory as inviting someone onto property who is injured by a hidden defect that the owner failed to warn his guest about. Were you invited onto the mans property? If so, did the lady have any history of violence? Did u do any background check on this woman? If she did have a violent past, albeit even minor, you could technically sue the home owner under the aforementioned theory of negligent failure to warn..good luck
I am not your attorney and don't know anything about your problem. Do not rely on my response other than as information used to hire an actual attorney.
The homeowners insurance is not responsible for the judgment. they may have a small medical payment provision (usually $1,000). However, you may find it difficult to find out this information. I would be surprised if the medical payment even applies as the injury did not occur on the neighbor's property nor did it involve the neighbor. I believe your only remedy is against the woman in jail. When she gets out, serve her with a subpoena for a creditor's hearing and you will be able to ascertain if she has assets to satisfy your judgment.
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