If I get hurt on someone else’s property, do they have to pay my medical expenses?

When an injury occurs on someone else’s property, the owner might be responsible for your medical bills.

Many insurance policies have coverage known as “med pay.” Med pay will provide reimbursement for your medical bills not otherwise covered by your health insurance. For this coverage, it does not matter whom, if anyone, is at fault for the accident. Usually the coverage requires you to first incur the medical expense. Many policies also require you to present the claim within 1 year of the accident date. Med pay coverage is usually in the $5,000 to $15,000 range.

If med pay does not exist, you can still seek reimbursement of medical expenses from the owner, but only if the owner is at fault for the accident. This requires a claim directly against the property owner. The process is no different from seeking compensation for injuries from the accident. You should, of course, document all injuries and events relating to the accident, and get the advice of a lawyer when preparing the claim.

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