Get free consultation
(212) 497-2421
Get free consultation

How a Slip and Fall Accident Lawyer in NYC Can Maximize Your Insurance Payout

#personalinjury

A common roadblock to receiving maximum damages on slip and fall claims, or any other personal injury claim, are lowballed insurance payouts. Today, we’ll be looking at the types of insurance that come into play, and how a licensed slip and fall Accident lawyer in NYC can help you maximize your insurance payout.

Types of Insurance Coverage for Slip and Fall Accidents in New York State

In the state of New York, insurance coverage for slip and fall accidents depends on where the accident occurred, and the responsible party’s insurance policy. Below are the types of insurance coverage that may apply –

Homeowners' Insurance

If the accident happens on private property (e.g., a home or apartment), the homeowner’s liability insurance may cover medical expenses and damages for your slip and fall accident.

Business Liability Insurance

If the fall occurs in a store, restaurant, or office building, the business owner’s general liability insurance may cover medical costs, lost wages, and pain and suffering caused by the injury.

Renter’s Insurance (Of the Party Renting a Space)

If a tenant’s (renter’s) negligence caused the accident (e.g., they left hazards in a rented space), their renter’s insurance may apply in case of a slip and fall injury.

Premises Liability Insurance

Some property owners have specialized premises liability policies that specifically cover injuries of accidents that occur on their property.

Workers’ Compensation Insurance

If a slip and fall accident at work, the employee may be entitled to workers’ compensation benefits. This can cover all or some medical expenses and lost wages. However, workers’ compensation generally does not cover pain and suffering.

Government Liability Coverage

If the slip and fall accident occurs on public property (e.g., sidewalks, parks, government buildings), a claim must be filed against the appropriate government agency.

Table Of Content

A common roadblock to receiving maximum damages on slip and fall claims, or any other personal injury claim, are lowballed insurance payouts. Today, we’ll be looking at the types of insurance that come into play, and how a licensed slip and fall Accident lawyer in NYC can help you maximize your insurance payout.

Types of Insurance Coverage for Slip and Fall Accidents in New York State

In the state of New York, insurance coverage for slip and fall accidents depends on where the accident occurred, and the responsible party’s insurance policy. Below are the types of insurance coverage that may apply –

Homeowners' Insurance

If the accident happens on private property (e.g., a home or apartment), the homeowner’s liability insurance may cover medical expenses and damages for your slip and fall accident.

Business Liability Insurance

If the fall occurs in a store, restaurant, or office building, the business owner’s general liability insurance may cover medical costs, lost wages, and pain and suffering caused by the injury.

Renter’s Insurance (Of the Party Renting a Space)

If a tenant’s (renter’s) negligence caused the accident (e.g., they left hazards in a rented space), their renter’s insurance may apply in case of a slip and fall injury.

Premises Liability Insurance

Some property owners have specialized premises liability policies that specifically cover injuries of accidents that occur on their property.

Workers’ Compensation Insurance

If a slip and fall accident at work, the employee may be entitled to workers’ compensation benefits. This can cover all or some medical expenses and lost wages. However, workers’ compensation generally does not cover pain and suffering.

Government Liability Coverage

If the slip and fall accident occurs on public property (e.g., sidewalks, parks, government buildings), a claim must be filed against the appropriate government agency.

How an Experienced Personal Injury Lawyer Can Help Prove Your Slip and Fall Case & Maximize Your Insurance Payout in NYC

A slip and fall lawyer, or accident attorney, plays a critical role in proving the defendant’s liability and making sure the insurance company pays you the maximum compensation. A licensed slip and fall accident lawyer would attest your case in the following steps –

By Proving the Defendant’s Liability & Negligence

First your slip and fall lawyer goes about gathering evidence. He or she will use their legal clearance to collect surveillance footage, accident reports, and witness statements to prove the property owner’s negligence.

Then they collect expert testimony. They may work with safety experts, engineers, or medical professionals to show how the hazard caused the fall.

Your attorney will also provide you with essential comparative negligence defense. In the State of New York, comparative negligence means your payout can be reduced if you are partially at fault. Your slip and fall accident lawyer is responsible for avoiding comparative negligence pitfalls, fighting to minimize your liability, and maximizing your claim.

By Communicating with Insurance Companies Directly & Negotiating Higher Settlements

It is well known that Insurance companies often offer low settlements or try to deny responsibility.

Your personal injury attorney will –

  • Negotiate aggressively on your behalf for a higher payout.
  • Handle all communication (with your input) to prevent you from making statements that could hurt your case.
  • Challenge claim denials and fights bad-faith insurance tactics.

By Maximizing Compensation on All Forms of Damages

Your slip and fall lawyer will see that you claim all eligible damages. The types of damages could include –

Medical Expenses – Your current and future medical bills (including for rehabilitation, and therapy)

Lost Wages – Compensation for time off work and lost earning capacity due to your injuries.

Pain & Suffering – Non-economic damages like emotional distress, reduced quality of life, and long-term pain can also be claimed with the expertise of your personal injury attorney.

Punitive Damages – In cases of extreme negligence, your lawyer may argue for additional punitive damages by proving negligence on the defendant’s part.

By Filing a Lawsuit If Needed

If insurance negotiations for your slip and fall accident fail, a lawyer can file a lawsuit and take the case to court to secure a higher payout.

Your lawyer can also make sure you stay within New York’s statute of limitations (3 years for private claims, 90 days for government claims) for lawsuits against personal injury accidents.

What You Should Know

It is important to note that Insurance policies may vary based on location (home, business, workplace, public property). You will need an experienced personal injury lawyer to strengthen your claim, prove negligence, and fight for the highest insurance payout possible.

Without expert legal representation, victims risk low settlements, claim denials, or reduced compensation due to comparative negligence.

Talk to an experienced slip and fall accident attorney in NYC by making a free consultation here. You can also call (212) 497-2421 24/7, or email suren@gabriellegal.com, to get started.

Sort by categories
Everything
Personal Injury Lawyer
Wrongful Death Lawyer
Car Accident Lawyer
Workers’ Compensation Lawyer
We Fight for your peace of mind.
In the relentless pursuit of justice, we battle tirelessly to secure your peace of mind, ensuring you can focus on healing while we fight for the compensation you deserve.

Read More Blogs

Personal Injury Lawyer

Why You Should Hire a Personal Injury Law Firm for Your Case
link arrow

Sometimes we get hit with bad luck. We might get injured at our place of work. And sometimes it may be someone close to us. In these times, we turn to the law to help us find a ray of hope after a catastrophe.

Personal Injury Lawyer

What to Do if the At-Fault Party Won’t Accept Responsibility – Can My Lawyer Help?
link arrow

It can be difficult when you have suffered a personal injury due to the negligence of another party, but they do not accept responsibility for it. This is especially true in cases of automobile accidents, workplace accidents, or medical malpractice, where the at-fault party is typically quite clear. If their insurance provider or legal counsel attempts to lowball you by minimizing your injury, or refuses to accept fault flat out, it’s time to seek the help of a trusted personal injury lawyer in NYC.

Personal Injury Lawyer

How Your Slip and Fall Accident Lawyer Decides Between Settlement and Personal Injury Lawsuit
link arrow

If you need a quick conclusion to your personal injury claims process in New York City, it’s worth knowing how the injuries resulting from your slip and fall accident can affect whether a settlement can be reached, or result in a personal injury lawsuit.

Workers’ Compensation Lawyer

Seeking Legal Compensation for a Workplace Injury in New York
link arrow

According to the laws of New York state, workers' compensation law covers a specific range of injuries and illnesses that can occur in the workplace – or as a result of employment-related activities.

Car Accident Lawyer

I’m Partially at Fault for My Car Accident – What Happens Next?
link arrow

You were in a car crash, and you believe it’s partially your fault. So, what can you do now? Without further delay, reach out to an experienced accident lawyer in New York, and take it from there. It might be your only chance at mitigating any legal repercussions for it – and getting a fair verdict. 

Anonymous