Property Owner Insurance Policy After Slip and Fall
A homeowner's insurance policy can impact your slip and fall case in Indiana. Being injured on another person's property is a confusing life event. You must deal with medical bills, other expenses tied to the accident and lost wages. This is in addition to the physical discomfort and pain.
At Shaw Law, we’ll handle the insurance company for you. We’ll work to get you back on your feet again.
You are likely curious about who is responsible for paying the cost for your damages and medical care. The most common route to pursue in Indiana after a slip and fall injury claim on someone else's property is filing legal action with their homeowner's insurance policy.
A homeowner's insurance policy typically covers damage to the personal property of the owner as a first party claim or injuries sustained on the property by another person known as a third-party claim. The most common type of third party claim filed against homeowner's insurance policies is for slip and fall accidents. There are numerous different ways that you could fall and be injured on another person's property and other ways that you could get hurt as well.
If you are hurt on someone else's property, you need to treat the accident as you would any other type of personal injury incident. You should get medical care as soon as possible to document your injury and to outline a course of treatment. You will also want to notify the insurance company so you will need to gather this contact information directly from the home owner.
Contact the insurance company to report the accident and file a claim. If you don't hear back from a claims adjustor within a few days, you'll need to contact the company again. An Indiana slip and fall insurance policy lawyer can help you if you believe that the company is continuing to ignore you. You should be aware that insurance adjustors do not have your best interests in mind. The primary purpose of the insurance adjustor is to investigate the accident to verify whether or not liability exists that would be covered under the policy.
The homeowner has to be held liable for the circumstances that led to the injury and not every fall on someone else's property will lead to an injury claim. If there was no hazardous or dangerous condition present, you will struggle to recover compensation. It is very important to be careful when dealing with the claims adjustor because anything you say could be taken out of context and used to deny or minimize liability.
Anything that you do say to the insurance adjustor could be used to devalue your claim. An experienced Indiana personal injury lawyer who has a strong background in representing slip and fall cases can help you so that you can keep your focus on your recovery. The insurance company has many different professionals protecting their bottom line and interests and you deserve to have the same. Hiring an experienced attorney is helpful for moving forward with your case and giving you a better overview of what to expect.
Don't wait to get help from a lawyer. Make sure you retain someone who has been practicing in this field for a long period of time and one who is dedicated to your best interests. Jeff Shaw has the experience to help you fight.