Houston Truck Accident Lawyer

Homeowners and Business Liability Insurance Cases

Posted on 29. Sep, 2009 by Admin in Uncategorized

Many areas of injury and damage are covered under homeowner’s insurance and business liability insurance.  These can include slip and fall accidents, dog bites, and any injury that you received out of negligence.  If you are at home, it will be covered through homeowner’s insurance, and if you are at a business, it will be covered by business liability insurance.

There are two parts to a typical homeowner’s insurance policy.  One has to do with coverage for damage to the home and any other building that is on the property.  Along with this, are any belongings that the homeowners have.  The second part of this insurance has to do with liability.  This covers a homeowner in the event that they, family members, or animals are responsible for injuries to another person.  The injury does not have to take place on the actual property.  If your dog bites someone in the park, this insurance will still cover you.

Your liability coverage should cover the cost of defending a suit, medical expenses, and more.  Many types of negligence are covered under your homeowner’s policy.  This is not true in cases of assault.  A violent act can be covered under business liability if there is a lack of proper security.

People who fall on snow or ice can find it very difficult to sue a homeowner.  A homeowner or business owner is only liable if they have had an unnatural accumulation of snow and ice.  If they have taken reasonable care, they are usually found not to be at fault.  These cases can be hard to prove even if there was negligence to some degree.

If a person wants to try to prove liability, they must prove that the property owners were negligent in letting snow and ice build up.  There also may be a property defect such as a blocked drain.  A property owner may be liable if they accumulate a build up of snow and ice while trying to remove it.  If they shovel a mound of snow and it melts into ice, someone may slip.  If they do, there is then liability on the part of the property owner.

It is very common for victims to file a claim when it is friends and family.  This is why people have homeowner’s policies.  Most property owners do not takee it personally if you file a claim with their insurance company.  It will be hard to battle the insurance companies due to the insurance defense laws. This is why you need a good attorney who is familiar in going up against insurance defendants.  They will work hard to discredit you or give you the least amount of settlement possible.  Always have an attorney on your side that can build a solid case and disprove any possible falsifications from the side of the insurance companies.

Laws can be very tricky, especially when it comes to insurance companies.  Make sure you know what to expect when filing a claim.

This is not legal advice.

Additional Website: Attorney Ryan L. Snyder. Serving in Bradenton, FL.

Tags: business liabilities, premise injuries, slip and fall accidents