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

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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.

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