Ask a Lawyer and Get Answers to Your Legal Questions
Good day, my name is Brandon. What a nightmare for you folks. In which state did this occur?
Thanks. (1) It depends on the insurance policy, but homeowner's policies generally cover injuries on the premises, regardless of who is at fault (as long as the injuries aren't intentionally inflicted.) For any given claim, I would normally expect the insurance policy to cover the full amount of any injuries on the premises. That is my answer. (2) Wisconsin is a modified comparative negligence state, so (depending on the language in the policy) I can't preclude the possibility of the payment being reduced by your son's contribution (if your son's negligence contributed 50% or more to the accident, he wouldn't collect. If your son's negligence contributed less than 50% but more than 0%, the claim would be reduced by that percentage), but the reality is that he's a minor, he was unsupervised, and if this was a foreseeable result of leaving a 14 year old unsupervised then his comparative negligence wouldn't normally be a problem.In short, the nuances of the case are key, but full payment could be expected for any given case.Let me know if further clarification is needed, and please leave a rating once you are completely finished (it is how I am credited). Thank you!