Filing a Premises Liability Lawsuit against an Insurance Company

Many times, premises liability compensation will derive from the property owner or tenant’s insurance coverage. Filing a claim against an insurance company is different than filing one against an individual because it often has extensive expertise in defending against and valuing injuries.

Identify Why the Company is Responsible

The first part of any claim should be directed to telling the insurance company why they are the party from which you deserve payment. Show the company that they provide insurance for the property on which the accident occurred and that the property owner or tenant had personal injury premise liability insurance at the time of the accident.

Be Succinct

In your claim, do not provide too much information. Include only those facts that explain the events of the accident and your subsequent injury. Additional information may provide the company with evidenced of your negligence, causing them to deny your claim or value it lower because of your responsibility for your injury. Therefore, limit what you tell the company.

Provide Evidence of Injury and Your Expenses

It is also important to provide the insurance company with evidence that the accident injured you and that you incurred medical and other expenses as a result. Copies of medical records and tests will demonstrate that you were injured and the amount of money you spent for treatment.

Make Your Demand Nicely

Wrap you your claim or demand letter by a request for compensation for your expenses. Restate that the insurance company is bound by the insurance contract for the property to pay the amount requested. Do not be rude or demand an absurd amount of money that you are not owed. Request compensation for those expenses you have incurred, including medical bills, lost wages and any future expenses you anticipate.

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