What to Do if Someone is Injured in Your Home
Injuries at home can range from mild to life threatening in the blink of an eye. If someone is injured in your home, it is important to know what to do and how to help. While circumstances may differ, there are certain steps you should always take when someone is injured in your home.
Call for Medical Attention Immediately
If someone is injured severely in your home, make sure they receive medical attention immediately. While you may apply first aid if possible (and if trained to do so), all injuries should be checked out by a medical professional. If you are unable to transport the victim, make sure to call emergency services.
This applies to everyone injured, if multiple people suffer injuries, including yourself and family members.
Clear the Area
Make sure the accident area is cleared so that no one else may be injured. It is important to be cautious about moving an individual from the accident site, however. If someone is injured and unable to get up or respond, it may be more dangerous to move them. Instead, clean the area so that they cannot be further injured and call emergency services.
Contact Your Insurance Agent
After the victim has received medical attention, you should call your insurance agent as soon as possible. Contacting your insurance agent is crucial so that they are aware of the accident and can put in a claim for you. Delaying a claim can raise red flags with your insurer and make it harder to get a policy approved for the same accident later.
Make sure to check your policy and make sure you have enough liability coverage under your home insurance to cover the accident. To cover severe injuries, some homeowners may need umbrella liability insurance. Home insurance can not only cover the victim’s medical bills, but it can also help protect you in case the victim decides to sue for their injuries.
Keep Information and Witness Testimony
Another part of filing a claim is making sure that you have all of the information necessary to give to your insurance agent. Providing important information and remaining consistent in your story about the accident can help the process go smoother and ensure that you (and the victim) receive the necessary compensation from an approved claim.
Be sure to speak with your insurance agent as soon as possible after an accident.