The answer to your question depends on a few factors. Specifically, you will need to find out if there is property insurance on the property where you fell, whether that property insurance includes personal liability for injuries suffered on the property, and what the maximum amount of insurance is on the property. Then, if there is adequate insurance to cover your injuries, you will need to fight for your fair recovery. Our experienced lawyers are dedicated to helping slip and fall accident victims make the fair recoveries that they deserve, and we routinely negotiate with insurance companies on behalf of each of our individual clients.
Why There Might Be Insurance on the Property Where You Fell
Many properties are insured either because it is required as a term of a mortgage or lease contact or because the property owner recognizes that it is important. Accordingly, you should look for personal liability property insurance on any property where you fall including:
- Private homes. Mortgage lenders require that their collateral be protected by homeowner’s insurance. If the homeowner fails to purchase property insurance, then the mortgage lender will likely do so.
- Commercial buildings. Many commercial leases require each business to have property insurance as a term of the rental agreement, and many commercial property owners carry policies on their buildings as well.
However, while the property where you fell may be insured, that does not guarantee your recovery.
Don’t Trust the Insurance Company to Offer You a Fair Settlement
Insurance companies profit when they take in more in premiums than they pay out in settlements. Accordingly, the insurance adjuster assigned to your case is going to work hard to pay you as little as possible. You deserve to have an experienced attorney fight back and work hard to get you a fair and just recovery for the medical expenses, lost income, pain, suffering and other damages that you have suffered. To find out more about tips for protecting your fall recovery, please start a live chat with us now and schedule your own free, no-obligation consultation.