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Property insurance helps repair damages to buildings and also protects owners from liability. If an owner doesn’t maintain their property well, the potential exists for someone to get hurt. Homeowner’s insurance policies protect individual property owners, while business policies protect commercial entities from premises liability.
If you slip and fall, suffer injuries due to falling ceiling tiles or become the victim of a crime due to lack of security, you might be able to bring a premises liability claim against the property owner. To do that, you will have to show some kind of negligence on their part.
How do you prove negligence?
Establishing negligence in a personal injury claim isn’t as hard as you might think. The basic legal standard for negligence is whether a reasonable person would recognize the risk that someone’s action or inaction created.
Most people would agree that not having lights or security cameras in a high-traffic area might attract criminal activity. Further, the average person knows that keeping the floors dry will help prevent people from slipping and falling. Provided that the circumstances that led to your injury involved some kind of negligence, you may be able to bring a claim.
There are two potential components to a premises liability claim
Someone who gets hurt on another person’s property has two potential ways to seek compensation. As previously discussed, there might be an insurance policy that covers their losses. The person who was injured can likely file an insurance claim for medical costs, property damage and lost wages.
In some cases, it may also be possible to bring a premises liability lawsuit, especially if there isn’t insurance or if the coverage isn’t enough given the impact of the incident. An experienced attorney an help you.