To have a property owner’s insurance cover your injuries sustained on their property, you generally need to prove that the property owner was negligent in maintaining the property in a reasonably safe condition and that this negligence caused your injuries. To establish negligence, you typically need to prove the following elements:
- Duty of Care: The property owner had a duty to maintain the property in a reasonably safe condition for visitors.
- Breach of Duty: The property owner breached this duty by failing to take reasonable steps to address a known hazard or by failing to warn visitors of the hazard.
- Causation: The property owner’s breach of duty caused your injuries.
- Damages: You suffered damages as a result of your injuries, such as medical expenses, lost wages, and pain and suffering.
To prove negligence, you may need to present evidence such as photographs of the hazard, witness statements, and medical records. It’s important to gather as much evidence as possible to support your claim and establish liability.
If the property owner’s insurance company accepts liability, they may offer you a settlement to cover your damages, including medical expenses, lost wages, and pain and suffering. If the insurance company denies liability or offers an inadequate settlement, you may need to consider filing a personal injury lawsuit to seek compensation.
It’s important to consult with a personal injury attorney who can guide you through the legal process and help you understand your legal rights and options for seeking compensation.