Why This Matters
Dealing with insurance after a fall can feel like a battle. They might undervalue or reject your claim—but you can win. Here’s how to handle the process and get fair compensation.
Step-by-Step Guide
- Gather Evidence
Collect photos, injury records, and witness statements.
- Tip: Include the property owner’s incident report.
- Notify Their Insurance
The owner’s liability insurance should cover your claim. Contact them, but avoid recorded statements without advice.
- Expect: An adjuster will assess your claim.
- Submit Your Claim
Include all evidence—medical bills, lost wages. Be detailed.
- Pro Tip: Keep copies of everything.
- Negotiate
Don’t accept the first offer—it’s often low. Wait until your injuries are fully known.
- Example: A visitor turned $2,500 into $10,000 with help.
- Use Your Insurance
If the owner is uninsured, your health insurance might help.
- Fallback: Pursue a lawsuit if needed.
Pitfalls to Avoid
- Settling Too Soon: Future costs could be missed.
- Missing Details: Include all losses, like therapy.
- Going Solo: Insurers have experts—you should too.
Need a Lawyer?
If your claim’s denied or disputed, an attorney can fight back. Contact a local firm for a free evaluation.
