Even though you have insurance coverage under your homeowners policy for bodily injuries on your property there is exclusion for accidents caused by a vehicle. There still may be coverage for your injuries, your children’s injuries.
You may have a cause of action for negligent supervision as a result of the homeowner not supervising your child that leads to the child being injured by a vehicle on the premises. Even the homeowners policy excludes injuries caused by an automobile, there still may be coverage under their homeowner’s policy.
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