Understanding No-Fault Accidents vs. Injuries Due to Negligence

Planning a wedding is a magical journey filled with excitement, romance, and endless possibilities. However, amidst the joy and anticipation, it's essential to consider the unexpected. That's where eWed Insurance comes in, as your trusted partner in safeguarding your special day. In this blog post, we'll dive into the distinction between no-fault accidents and injuries due to negligence and explore coverage options to help you make informed decisions for your wedding.

No-Fault Accidents: When the Unpredictable Strikes

Picture this: You've found the perfect wedding venue with a stunning outdoor garden. The sun is shining, and your guests are enjoying a wonderful ceremony. As the guests are leaving the ceremony site, one of your guest tips and fall injuring themselves. No one intended for this to happen, and the ceremony walkway was smooth, level, well light and not slippery; it was simply an accident.

This is an example of a no-fault accident that was unforeseen and which occurred without anyone's intent or negligence. In these such cases, your liability insurance would not provide coverage since you did nothing wrong and did not cause the accident. If you got sued by the guest, even though you were not at fault, your liability insurance from eWed could defend you in the lawsuit and cover your legal fees.

eWed does provide an option to add partial coverage for situations like this. You would need to add the $5,000 optional Med Exp. coverage to your liability policy for an additional $20. When added, this coverage provides for up to $5,000 in medical expenses when someone is injured, and no one was at fault (e.g. they simply tripped over their own two feet).

Injuries Due to Negligence: When Responsibility Matters

While no-fault accidents are often beyond anyone's control, injuries due to negligence involve a level of responsibility or fault. For instance, if you decide you want to make a surprise entry to your reception and turn off all the lights on the walkway leading to your reception and one of your guests’ trips and falls due to the lack of lighting, this could be covered by your liability policy since you were technically “at fault”.

In the alternative, if the walkway was well light but the surface was uneven or unsafe and a guest was injured, your liability insurance could defend you in a potential lawsuit but generally would not pay damages to the guest, since you did not cause the injury. In a situation like this, the injured guest would normally look to the venue’s insurance since they may have been negligent in maintaining their walkway.

What if the injury was caused by one of your vendors? Once again, your liability insurance could defend you in a potential lawsuit but generally would not pay damages to the guest, since you did not cause the injury. In a situation like this, the injured guest would normally look to the vendor’s insurance since they may have been negligent in the performance of their duties. This is a good example of why it’s essential to only hire vendors with liability insurance and have yourself named as an additional insured on the vendor’s policy.

Your wedding day is a once-in-a-lifetime event, and eWed Insurance is here to make sure it's filled with joy and love, even in the face of unexpected challenges. Contact us today to explore your coverage options and take the first step towards ensuring your dream wedding becomes a beautiful reality.

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