 TITLE: What Does Homeowners Liability Insurance Cover? CONTENT: What to Do if Someone Is Injured in Your Home\n---------------------------------------------\nIf you think you or the injured person may want to file a claim, tell the insurance company about the incident right away. (Many policies require notifying the insurer as soon as possible, or the claim may not be covered.) If the person later sues you, inform your insurance company immediately.\nThe process that follows a personal injury is similar to what happens after a car accident. Take photos of any damages or injuries as well as the setting where they occurred. Get names and contact information of any witnesses, as well as the injured person, so your insurance company can contact them to handle the claim.\nFor the injury to be covered, the injured person generally must prove you were somehow negligent, which could mean you're ignoring unsafe conditions on your property or not cautioning visitors. For example, if you warn a visitor to be careful about a loose step on your porch, you're not being negligent. If you know about the loose board and say nothing, you could be considered negligent. END