I fell and injured myself last year while mowing the yard. I live with my parents, rent-free, since they are both disabled and need help around the house. The fall resulted in surgery. Now my medical insurance is looking for someone else to foot the bill. If I use "home--other, then they want my folks home owner's insurance information, etc. Technically, I don't own the house, though. Which should I put?
Generally, unless the fall was caused by the homeowner's negligence their homeowner's insurance is not liable to provide coverage for the injury.
Answer truthfully but unless you are claiming that your injury was due to some form of negligence on the part of the homeowner, then only your insurance is going to foot the bill.
The author of this answer is an Attorney-at-Law, licensed to practice law only in the state of Arizona. Unless both you and the author have signed a formal retainer agreement, you are not the author's client, and the author's discussion of issues does not constitute legal advice. Opinions expressed herein are solely those of the author, and are neither privileged nor confidential.
Answer honestly. You fell at home-where you live while cutting the grass. Your answer does not mean 1) your health insurance carrier will pursue your parent's homeowner's coverage or 2) that the homeowner's policy will provide any coverage. For purposes of the homeowner's policy you are a resident of your parent's home- there would be an exculsion under the policy.
Sign up to receive a 3-part series of useful information and advice about personal injury law.
Years licensed, work experience, educationLegal community recognition
Peer endorsements, associations, awardsLegal thought leadership
Publications, speaking engagementsDiscipline