Filing an Insurance Claim for a Target Slip and Fall Accident

If you have been involved in a slip and fall accident that occurred at a Target store, and you have suffered injuries as a result of that accident, you may wish to file an insurance claim seeking compensation for the costs of those injuries. Filing an insurance claim is a relatively straightforward process, although the procedures for doing so may vary significantly from one insurance company to the next. There are no strict time deadlines for filing an insurance claim; however, there are state laws that govern the filing of personal injury lawsuits that may pertain to your case if you are unsuccessful or dissatisfied with the proposed resolution of your insurance claim. Therefore, it is essential that you take immediate action to file an insurance claim so that you have adequate time in which to file a personal injury lawsuit if necessary.

Giving Notice of an Insurance Claim

Your first step toward filing an insurance claim regarding a slip and fall accident at Target is to notify the appropriate Target personnel of your potential claim for damages resulting from the accident. You should be sure to give this notice in writing, and address it to all potentially responsible personnel. Giving notice of your claim to Target as soon as possible following your slip and fall accident places Target on notice of your claim, and prevents Target from later regarding your claim as unfair due to a lack of notice. At this point, your letter / written notice is likely to be forwarded to Target’s insurance company for assignment to an insurance adjustor, who will shortly contact you regarding your claim.

Negotiating with an Insurance Adjustor

Your primary method of negotiation with an insurance adjustor regarding a slip and fall accident claim will come in the form of a demand letter, a written document in which you set forth the details of your injuries, medical treatment, and any expenses related to those injuries, including medical bills, lost wages, and other types of damages. You should include as much as detail as possible about the slip and fall accident at Target that led to your injuries, including how it occurred, who was responsible, what caused you to slip and fall, who witnessed the accident, and what exactly occurred. Even if you believe that you may have been at fault for the slip and fall accident to some degree, you should never admit any fault on your part at this stage in the negotiations. Next, focus on describing your injuries in detail, as well as your medical treatment for those injuries. You also should give specific details about any and all costs that you incurred as a result of your injuries. Finally, you should request that the insurance company award you a specific lump sum in order to compensate you for your injuries and expenses. You should submit your demand letter to Target’s insurance company, along with any documentation that you have to support your claim, such as medical bills, medical insurance claim forms, and medical records relevant to your injuries. As you can see, the demand letter is an integral part of the settlement negotiation process with Target’s insurance company. As a result, you should do your best to convince the insurance company of Target’s responsibility for your injuries, as well as the extent of your damages suffered as a result.

Getting Legal Help

As negotiations with an insurance company can be time-consuming and complex, the handling of your claim for damages may be best left to the professionals. Therefore, you should strongly consider contacting an experienced personal injury attorney for assistance with your claim.

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