This is the next post in discussion on how Peoria, Illinois residents may recover damages after falling in someone’s personal residence or an apartment complex. My last article discussed when apartment owners are liable for a slip and fall. It is important to understand that liability can extend to both common areas and the inside of a unit. An experienced attorney can assist you in determining whether or not you have a claim against apartment management. In this article I will be discussing the availability of insurance coverage after a residential fall. If you or a family member are in need of assistance then contact my office today to speak with a personal injury lawyer.
Peoria fall victims can make a claim against the homeowner’s insurance policy
The presence of insurance coverage is important in any personal injury case. While it is one thing to gain a judgment against a liable individual or entity, it can be another to actually be paid the compensation. Fortunately, if a homeowner is found liable for a fall on their property or in their residence then the claim will typically be paid by their homeowner’s insurance. This helps to ensure that a victim receives the money that is needed to compensate them for lost wages, medical expenses, the cost of future care, as well as pain and suffering. The victim’s attorney will assist them with asserting a claim against the insurance policy.
One who has been injured on a Peoria residential property should contact an attorney as soon as they have sought medical care. Counsel will immediately contact the homeowner and gain the name of the carrier and the policy number. Counsel will then contact the carrier and inform them of the representation. The insurance company will assign an adjuster to the case and this individual will deal with your counsel directly while you treat your injuries. Once your medical prognosis is reasonably known then your lawyer will send a settlement demand to the carrier. This demand will state the amount you are requesting as well as a breakdown of the calculations supporting the amount. If a settlement cannot be reached then counsel will file a lawsuit on your behalf. Any settlement, or eventual jury verdict, will be paid by the insurance policy.
Illinois apartment complexes will have an insurance policy which fall victims may make a claim against
Apartment complexes will typically carry an insurance policy which covers issues such as a slip and fall. The process for dealing with a commercial insurance carrier will be similar to what was just described above for the residential context. It will be important to remember that insurance carriers typically attempt to deny liability after someone has fallen at an apartment complex (liability is often initially denied in single-family home incidents as well). Your attorney will go back and forth with the carrier to establish liability. If your counsel believes you have a case then they will file a lawsuit if the insurance carrier is not willing to engage in serious negotiations.
If you have been injured on a residential property then contact our Peoria personal injury lawyer for assistance. I am experienced in handling slip and fall cases and my office understands that this is an important time in your life. We will quickly respond to phone calls and emails and will make sure you know what to expect as your case moves through the system. Contact us online or by telephone for an initial appointment. Our firm also serves clients in the Illinois cities of Bloomington, Eureka, Galesburg, Morton, Normal, Pekin, Springfield, and Washington.
