How to Make a Claim on Public Liability Insurance
Public liability insurance is a financial instrument that protects companies from bankruptcy caused by The negligence of its employees. A spill on the slippery floor of a grocery store, a falling piece of lumber in an unmarked construction site or a faulty piece of equipment on a tractor-trailer are all examples of negligent situations that can cause injury and leave a company open to a claim. If you have sustained an injury because of the negligence of a company, you can file a claim and attempt to be reimbursed for your medical expenses, lost wages and even emotional trauma.
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Instructions
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Report your injury to the management of the business where the incident occurred. Report it immediately by explaining how, where and why the accident occurred.
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Go straight to the hospital for treatment. Explain what happened to the doctor. Accept treatment as it is recommended by the emergency room doctor. Follow up with your family doctor and any specialists recommended by him.
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Report your doctor's findings to the management of the business where the accident occurred. Ask for the name and address of the insurance company that provides public liability insurance to the business.
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Contact an attorney for advice and representation. Meet with him and discuss your accident, the report from the doctors and the response from the management of the business. Provide the attorney with the name and address of the insurance company along with any other information he might request.
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Contact the insurance company that provides public liability insurance to the business responsible for your injuries. Provide the insurance company only with the information your attorney has cleared. Wait for a response and forward it to your attorney.
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Make arrangements with your attorney to file a lawsuit against the business and its insurance company if your claim is denied. Attend court and present your case as recommended by your attorney.
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Tips & Warnings
Any claim must be thoroughly proved. Lesser proof will not be accepted by the insurance company or a court.
Fraud is a felony. Always be completely honest when filing a liability claim. Never inflate your injuries or damages to your property in order to increase your settlement or award. Being dishonest in this situation could lead to a denial of your claim, a loss of your lawsuit and possible criminal prosecution.
References
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