Accidents Happen. Are You Covered?
At a wedding yesterday the mother of the groom fell down the stairs, hitting her head on a step and leaving a massive bump and bruise near her eye. A few years ago, two children were chasing each other when one fell and hit his head on a large ceramic pot, resulting in a trip to the emergency room for stitches. Small fires occurred at three events, all the result of guest negligence, not realizing that votive candle flames can be dangerous. Accidents happen, some because of careless behavior, others through no fault of the injured. But how are the costs associated with an accident handled?