Reporting Injury to Home Owners Insurance
The next step is a homeowner The next step is to contact the property owner & # 39; s homeowners & # 39; insurance agent and report the accident. For minor For more serious injuries, they will probably sending an insurance adjuster to take charge. injuries, they may handle it.
Claims Process
One aes adjuster begins managing a homeowners & insurance personal injury or concessions liability claim, the homeowner can generally leave the process in their hands.
1. Obtaining a clear report of the accident from both the homeowner and the victim
2. Calling in expert witnesses if necessary
3. Obtaining testimony from other witnesses
4. Gathering any evidence from the accident site
5. Obtaining medical records from the injured party & # 39; s physician or physicians
6. Keeping the case open until it is clear that the injuries are healed or that they will be permanent or ongoing
7. Settling the Claim
Problems that May Arise
In the best case scenario, the claim will be a simple process of determining the amount of the victim & # 39; s injury, the cause of the injury, and putting in a final claim for coverage.
These problems may include: number of problems that arise in the process of settling such claims.
• Disputes over who is at fault
• Disputes over the amount of the injuries
• Disputes over or the homeowner in some way intended to injure the victim
• The extent of the homeowner & # 39; s liability coverage
Any one of these problems and more possible lead to a legal battle.
Compensation for Injured Party
If it is is proven that the homeowner was liable for the victim & # 39; s injuries, their insurance company may be be required to pay compensation in one or more of these areas:
• Medical expenses
• Lost income
• Pain and suffering
• Wrongful death (if necessary)
• Permanent disability
• Punitive damages if the negligence was willful
If the compensation award is greater than the insured & # 39; s coverage, they will be required to pay the reminder of themselves.
When is an Attorney Necessary?
When complications arise and an injury settlement proves impossible, both parties essential. The homeowners insurance company providing legal counsel to defend both their interests. Is exaggerating their injury for profit. The insurance company 's lawyer has probably handed such a deciction and providing a defense against it, protecting their clients and their insurance funds from being taken advantage of.
For more information visit Allegiance Law San Francisco Personal Injury Attorneys.
