Accidents can occur anywhere, whether it’s at the grocery store, your neighbor’s home, or even on the job. The injuries that result from these accidents can range from minor bruises up to more serious complications such as fractures or brain trauma. Insurance plays an important role in determining the compensation that will be paid for medical expenses, lost wages, and other related costs. You can navigate slip and fall claims more easily if you understand how insurance works.
Table of Contents
Property Owner’s Liability Insurance
Liability insurance is important because most slip and falls occur on other people’s property. Most property owners carry insurance that covers accidents and injuries on their premises. A business may have general liability coverage, while homeowners typically have a homeowner’s policy.
The insurance of the property owner may cover you if you slip and tumble due to negligence. The insurance company may cover medical costs, pain and discomfort, and other damages if they determine that the accident was caused by negligence.
Filing a Claim
It is important to inform the property manager or owner as soon as you can after a slip-and-fall accident. Document the incident. You’ll have to contact the insurance company if you can prove that the property was insured. This usually involves:
- Sending details about the accident including medical records, and photos of the scene.
- Permitting the adjuster to investigate your claim. This may include interviews and a review of the property’s condition.
The insurer may offer a settlement if they accept liability. It’s important to determine if the settlement offered will cover all of your losses.
When Insurance Disputes Arise
Insurance companies almost always deny responsibility, claiming that the property owner was not negligent. Or, they may offer less money than you expected. Hiring a personal injury lawyer is essential in these situations. A lawyer can assist in negotiating with the insurance company and, if needed, file a suit to seek fair compensation. They will review your case and make sure you don’t accept a settlement that is too low.
Personal Insurance Coverage
Your health insurance might cover the initial medical costs after a slip and fall. You can take legal action to recover compensation if the property owner is negligent.
Insurance is a crucial part of slip and fall cases, as it provides compensation for medical costs, lost income, and other damages. Understanding how property liability works and understanding your rights will help you get the compensation you deserve following a slip-and-fall accident.
This post was written by a professional at W. Lee Clark & Associates, a dedicated law firm based in Lakewood Ranch, FL. W. Lee Clark & Associates focuses on personal injury, slip and fall attorney North Port FL, mass torts, defective product claims, tobacco and vaping-related cases, and wrongful death cases throughout Florida. With extensive experience and a client-first approach, the firm serves clients in Manatee, Sarasota, Polk, Hillsborough, and Pinellas counties. W. Lee Clark & Associates is here to help you and defend your rights if you were hurt by a faulty product or are looking for justice following the untimely death of a loved one. Schedule your consultation today!
