An intruder has an accident in my pool; who pays?
An intruder has an accident in my pool; who pays? Rodrigo is very upset with his insurance because he “ignored” a civil liability lawsuit against him. It turns out that the neighbor’s youngest son had an accident in the pool. He snuck in without permission and when he threw himself on his head, he hit himself and was knocked unconscious. The boy underwent surgery by a neurologist and has been undergoing rehabilitation for three months to regain mobility.
Rodrigo considers that the neighbors have acted in bad faith since the boy did not have the authorization to enter his house. And much less, to use the pool. Furthermore, he is doubly disappointed that his insurance company refuses to protect him from the lawsuits against him because there is evidence of negligence.
Indeed, when Rodrigo built his pool and reported it to the insurance company, the agent warned him that he should fence the pool to prevent unauthorized access. He says so in the contract. Rodrigo paid attention and put the gate but at the time of the accident, the pool did not lock. Therefore, the child was able to access without major difficulties.
The Insurance Information Institute recommends that when installing a pool, trampoline, or trampoline, all insurance recommendations be followed. The insured must carefully review the policy with an agent to be aware of having adequate protection and to understand if he is following all the guidelines established by the contract. An intruder has an accident in my pool; who pays?
The whole event is a shame, but Rodrigo will not be able to avoid paying out of pocket for this unintentional negligence.
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