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Deren Frud purchased a new home that had a detached in-law suite in the back yard that had been listed to be included in the home’s total square footage. The home was also listed as a single family dwelling for tax purposes. Deren placed the in-law suite up for rent on a local community apartment rental web page for $750.00 per month. John Wrenter saw the ad and immediately entered into a one year lease agreement with Deren. The next day, Deren renewed both his home and auto insurance but never mentioned in the application that Mr. Wrenter resided at the same address. A few months later, Alisson Metts, Deren’s girlfriend, was backing John’s Ford F-250 out of the garage and accidentally ran into Matt Trimmer, the landscaper. John’s home and auto insurance were both placed on notice of this claim. However, both insurance companies denied extending coverage to John since he had not disclosed in the application that John Wrenter was a resident of his home. In fact, both the home and auto insurance carriers have brought legal action against John for breach of contract.

What are John’s legal options if Matt Trimmer files a personal injury lawsuit against him?

What if Alisson Metts goes to the hospital for her injuries? Who will pay her medical bills?

Does John’s home or auto insurance have a contractual responsibility to pay anyone that has been either economically or non-economically damaged?

Do you have a legal question about your home or auto insurance?

We are here to help you.

Attorney Abogado

Guzman Legal, P.A.

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