Personal injury lawyer Thomas Simeone was featured in an article on Reviews.com,
warning about the pitfalls of seeking cheap home insurance, which may
put you at risk for being underinsured in the event of a mishap. While
inexpensive insurance may seem alluring, given some of the high prices
for homes located near the storm-prone Atlantic shoreline, the cost of
inadequate insurance may be greater in the future.
For anyone filing a claim, Simeone explains that it is particularly important
to understand Virginia’s “pure contributory negligence”
law, which states that if you are even 1% at fault for your own injury,
you cannot claim any damages. “There’s been a lot of talk
through the years of [pure contributory negligence] being too harsh,”
Simeon says. If you are injured on someone’s property and are found
to be at least 1% at fault, you would foot the bill. As a result, Simeone
says that there are less homeowners’ insurance claims than usual.
This law also applies to auto insurance. If, for example, you are not
wearing a seatbelt and get injured as a passenger, you may not be able
to receive compensation.
Additionally, Simeone explains the “Hawaii rule”, which impacts
claims regarding falling trees. Virginia has many old trees, which are
prone to falling and, should a tree on your property fall on your neighbor’s
property, inflicting damage or injury, you are responsible for the bill.
If you are well insured, it should cover these costs, but it Simeone suggests
that it is best to avoid it altogether by regularly getting you trees
assessed and inspected – a service that may be offered by your home
Simeone also has advice regarding snowy weather, which Virginia does not
experience much of, but still requires preparedness. Homeowners are responsible
for shoveling and de-icing their sidewalks and not doing so may get you
into a lot of trouble. “You could be liable if you fail to take
any steps,” Simeon says. If you shovel the ice, but do it ineffectively,
leaving ice behind, you are still responsible for injuries caused by this.
While the complexities of Virginia’s law may sometimes make it difficult
for injured parties to file a claim, the Washington D.C.-based attorneys
at Simeone & Miller, LLP have years of experience fighting to maximize
compensation for their clients.
For a free consultation, call
Read the full Reviews.com article here:
The 5 Best Virginia Homeowners Insurance Companies