What are my options against a homeowner's insurer?
Question Details: I was cutting my elderly mother's lawn when I tripped and ran the push mower over my foot causing the lose of my toe nail and a fracture. The doctor says 4 weeks out of work. My mother really can't pay out of pocket and says her homeowner's insurance does not cover lost wages.
Her insurance would NOT pay you for your injury, based on what you write. Her insurer pays when your mother would be liable, or have to pay; she would only be liable if she was at fault in cause the accident and injury. Homeowners are not liable any time someone is injured on their property; the homeowner (your mother) would only be liable if they were fault in causing the accident through negligence (unreasonable carelessness). But you write that while *you* were mowing, *you* tripped and ran over *your* own foot. Nothing in your question suggests fault on the part of your mother; if she was not at fault, neither she nor her insurer would have to pay.