Does Insurance Cover a Slip and Fall Accident?
A Slip and Fall accident may be covered by an insurance policy in many circumstances. Insurance policies exist to insure against claims made for various types of accidents that may occur. One of those accidents is a slip and fall accident.
Commercial property owners in the state of New Jersey have a non-delegable duty to ensure that their property is kept in a safe condition. Additionally, they have a non-delegable duty to inspect their premises to ensure that there are no hazards on their property. If a property owner breaches this duty, and someone is injured as a result, the commercial property owner will be responsible for all of the damages caused. This can include significant and serious injuries as a result of a slip and fall. This is the point in which an insurance policy may cover the damages in which the property owner owes to the injured party. The insurance policy will likely have a pre-set limit on the amount of damages that the insurance company will pay. This is known as the insurance policy limits.
Additionally, many commercial property insurance policies have what is known as a medical payment provision. Medical payment provisions typically provide for a small amount of money that can be paid to the injured person for their medical costs. These provisions often do not require that the injured person prove that the commercial establishment was at fault for the accident. Typically, the occurrence of the accident is enough to trigger a medical payment provision.
If you or someone you know would like to speak to one of our attorneys about a slip and fall accident call our New Jersey Slip and Fall Accident Lawyers. Our attorneys represent individuals who have suffered injuries as a result of a slip and fall accident. Our attorneys handle these cases on a contingency basis which means that you will not pay a legal fee unless we successfully recover on your behalf. Call us today for a free consultation.