In 2013, a 16 year old girl suffered serious burns to 42% of her body when fellow party-goer carelessly threw accelerant into a fire at a house party in Toowomba, QLD. This horrible accident left the girl so seriously injured that she has to wear a whole body pressure suit 23 hours a day and will need ongoing treatment and care.
The teenager’s family has claimed under the Personal Injuries Proceedings Act 2002 (QLD) that the host was to blame, as there was no adult supervision at the party, even though they had been told that there would be.
Many people do not realise that the host’s home and contents insurance can be claimed against to provide the victim with compensation in horrific situations like this. Obviously people feel uncomfortable making claims against family or friends, but the claim is actually conducted against, and paid by, the person’s insurance company – not the householders.
Lesson: Home And Contents Insurance doesn’t just protect your belongings, but will also mostly protect you for careless and negligent events on your property. Having a proper policy will give you peace of mind, and will ensure that the victim gets the help they need.