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.
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