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Slip and fall accidents happen more often than you’d expect and can result in serious injuries that need medical care. In a busy city like New York, with its crowded sidewalks and multiple businesses, the chances of these accidents increase. If you ever find yourself dealing with a slip and fall injury, knowing how insurance fits into your claim is important. At Pulvers, Pulvers & Thompson, LLC we guide clients through the intricacies of slip and fall claims, ensuring they understand their rights and the role insurance plays in their recovery process. Our experienced team of personal injury attorneys is dedicated to helping you navigate the insurance landscape, from identifying the types of coverage that may apply to your situation to negotiating with insurance companies for a fair settlement.

Types of Insurance That May Cover Slip and Fall Accidents

When a slip and fall occurs, several types of insurance may be relevant, depending on the circumstances:

Homeowner’s Insurance: If the accident happens on residential property, the homeowner’s insurance policy may cover medical expenses and other damages, particularly if the homeowner’s negligence contributed to the incident.

Commercial Liability Insurance: Businesses in New York City are typically required to carry commercial liability insurance. This coverage applies to accidents on business premises, such as a slip and fall in a store or restaurant, and can cover medical expenses, lost wages, and more.

Renter’s Insurance: For tenants, renter’s insurance may provide coverage if a slip and fall occurs within their rented space, depending on the specifics of the policy and the circumstances of the accident.

Personal Injury Protection (PIP): In some cases, a victim’s own insurance policy, such as PIP, may cover medical expenses related to a slip and fall accident, regardless of fault.

How Slip and Fall Claims Are Processed

The process of filing a slip and fall claim typically involves several key steps:

Report the Accident: Promptly report the accident to the property owner or manager to create an official record, which is crucial for any insurance claim.

Document Everything: Collect evidence such as photos of the accident scene, witness statements, and records of all medical treatments. This documentation will support your claim and help establish liability.

File a Claim: Notify the relevant insurance company about the accident, whether it’s the property owner’s insurer or your own, depending on the situation.

Investigation: The insurance company will conduct an investigation, reviewing evidence, interviewing witnesses, and assessing the extent of the injuries.

Settlement Negotiation: Once the investigation is complete, the insurance company may offer a settlement. It’s important to carefully review any offer and consider consulting with a legal professional to ensure it adequately covers your damages.

Dealing with Insurance Companies

Navigating the insurance claims process can be challenging, especially when dealing with large insurance companies. Here are some tips to help you manage the process effectively:

Be Cautious with Statements: Insurance adjusters may attempt to get you to admit fault or downplay your injuries. Be mindful of your words and avoid making statements that could be used against you.

Understand Your Policy: Familiarize yourself with the details of your insurance policy or the policy of the property owner. Knowing what is covered can help you advocate for a fair settlement.

Consult with an Attorney: Slip and fall cases can be complex, and having an experienced personal injury attorney like the ones at Pulvers, Pulvers & Thompson LLC on your side can make a significant difference. They can help you understand your rights, negotiate with insurance companies, and ensure you receive the compensation you deserve.

Slip and Fall Cases in New York City

In New York City, property owners have a duty to maintain safe premises, and failure to do so can result in liability for accidents. However, proving negligence can be challenging, especially in New York. It’s important to act quickly after a slip and fall accident, as the state has a statute of limitations for personal injury claims. Gathering evidence and consulting with a legal professional as soon as possible can strengthen your case.

If You’ve Been in a Slip and Fall Accident in New York, Contact Us Today to Get the Compensation You Deserve

If you’ve been injured in a slip and fall accident in New York City, navigating the insurance claims process can be daunting. At Pulvers, Pulvers & Thompson, LLC we have more than 80 years of experience helping injured victims, and we’re here to help you throughout every step of the legal process. Whether you’re filing a personal injury claim or pursuing a lawsuit, our dedicated team of attorneys will work tirelessly to ensure you receive the justice and compensation you deserve. Contact us today at 212-355-8000 to schedule a free, no obligation consultation.

Disclaimer: This post is for legal education purposes only and should not be considered legal advice. No attorney-client relationship has been formed. To the extent this post constitutes attorney advertising, past results do not guarantee similar outcomes.