{"id":1290,"date":"2019-07-05T10:34:59","date_gmt":"2019-07-05T16:34:59","guid":{"rendered":"https:\/\/www.insuringky.com\/blog\/?p=1290"},"modified":"2023-12-05T14:53:24","modified_gmt":"2023-12-05T20:53:24","slug":"personal-injury","status":"publish","type":"post","link":"https:\/\/www.insuringky.com\/blog\/personal-injury\/","title":{"rendered":"Personal Injury"},"content":{"rendered":"\n

Unlike\naccidental events that result in a person suffering a serious injury (called\nbodily injury) or property that is damaged or destroyed (called property\ndamage), personal injury usually involves one person\u2019s alleged interference\nwith another person’s legal rights. It also applies to incidents that harm\nanother person’s reputation. <\/p>\n\n\n\n

Personal\nInjury commonly includes acts such as the following:<\/p>\n\n\n\n

False arrest, detention or imprisonment<\/h3>\n\n\n\n

Example: A homeowner suspects that her teen daughter\u2019s friend has stolen\njewelry while visiting her home. She locks the teen in her bedroom for an hour\nuntil the police arrive and it turns out the teen did nothing wrong.<\/p>\n\n\n\n

Malicious prosecution<\/h3>\n\n\n\n

Example: A gentleman\naccuses his neighbor of stealing a laptop from his home and files charges with\nthe police. After investigating the matter, the police discover that the lap\ntop owner had sold the property and made the accusation because the neighbors\nhad been feuding over an unrelated matter.<\/p>\n\n\n\n

Wrongful eviction from, wrongful entry into,\nor invasion of the right of private occupancy<\/h3>\n\n\n
\n
\"\"
Landlord? Do you have exposure to wrongful eviction<\/figcaption><\/figure>\n<\/div>\n\n\n

Example: A boarder\ncomes home from work and finds his room’s door padlocked. The\nhomeowner\/landlord did it after the boarder, for the third night in a row,\nplayed his CD system too loudly. The boarder is forced to leave the premises\nthat same night.<\/p>\n\n\n\n

Oral or written publication of material that\nslanders or libels a person or organization or disparages a person’s or\norganization’s goods, products or services<\/h3>\n\n\n\n

Example: A\nhomeowner is the president of a parent and school organization. She also\npublishes articles for the organization on her personal website, but is widely followed\nby members in the parent and school organization. After an argument with\nanother organization officer, the president recounts the incident on her site\nand includes some crude insults and false items about that person.<\/p>\n\n\n\n

Oral or written publication of material that\nviolates a person’s right of privacy<\/h3>\n\n\n\n

Example: A woman is\nvisiting a friend. During the visit, she overhears her friend’s conversation\nwith her doctor. The next day, the person reveals to others that the friend, a\nyoung, single female, is having medical problems due to an unexpected\npregnancy.<\/p>\n\n\n\n

All\nsuch acts are examples of incidents that could result in lawsuits. However,\nthey are also the sort of events that are excluded from coverage by the typical\nhomeowners policy. The major reason for their\nexclusion is that they are deliberate acts rather than being accidental. One\nway to secure coverage for personal injury losses is to purchase personal\numbrella coverage. It may be worthwhile to discuss your possible need for\npersonal injury coverage with an insurance professional.<\/p>\n\n\n\n

\n\n\n\n

COPYRIGHT: Insurance Publishing\nPlus, Inc. 2015<\/p>\n\n\n\n

All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without the written consent of Insurance Publishing Plus, Inc<\/p>\n","protected":false},"excerpt":{"rendered":"

Unlike accidental events that result in a person suffering a serious injury (called bodily injury) or property that is damaged or destroyed (called property damage), personal injury usually involves one person\u2019s alleged interference with another person’s legal rights. It also applies to incidents that harm another person’s reputation. Personal Injury commonly includes acts such as […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[69,13],"tags":[1440,1441,1448,1447,1442,1443,1444,641,642,1445,1446],"class_list":["post-1290","post","type-post","status-publish","format-standard","hentry","category-unmanned-aircraft","category-personal-insurance","tag-do-i-need-libel-insruance","tag-do-i-need-libel-insuranc","tag-how-much-does-personal-injury-insurance","tag-how-to-buy-personal-injury-insurance","tag-how-to-get-libel-insurance","tag-how-to-get-slander-insurance","tag-how-to-get-wrongful-eviction-insurance","tag-libel","tag-what-is-libel","tag-what-is-slander-insurance","tag-what-is-wrongful-eviction-insurance"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/posts\/1290","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/comments?post=1290"}],"version-history":[{"count":3,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/posts\/1290\/revisions"}],"predecessor-version":[{"id":1998,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/posts\/1290\/revisions\/1998"}],"wp:attachment":[{"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/media?parent=1290"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/categories?post=1290"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/tags?post=1290"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}