Home Owner’s Insurance provides a significant breadth of coverage and can be implicated when there otherwise doesn’t appear to be a means of recovery. A good example came up a couple of years ago. One of our clients’ sons was hit in the eye with a bottle rocket. The child who shot the bottle rocket didn’t have any money. And neither did his parents.
But his parents did own their home. We sued the parents for negligent supervision and for buying the (illegal) bottle rocket for their child. The parents’ home owners insurance carrier paid policy limits of $300,000 for the eye injury.
Even if all seems lost, it makes sense to consult with a personal injury attorney. A little creativity or experience from prior cases may make the difference between recovering nothing and a considerable amount.