5 Reasons Why You May Have a Premises Liability Case Against Your Insurance Company
If you are facing a premises liability case against your insurance company then you need to be prepared for the legal battle. There are many reasons why you may face premises liability lawsuit and here are the top five reasons.
Insurance Company Refused to Pay You
The main reason is that your insurance company refused to pay you for the loss suffered due to their negligence. When you have a claim against the insurance company and they fail to pay you for your loss, then you can file a premises liability lawsuit against them. In such a situation, you need to hire a lawyer who can represent you and fight for your rights.
Damage Caused Due to Property Maintenance
This is one of the common reasons for a premises liability lawsuit and you can file a lawsuit in such cases. If the damages are caused due to property maintenance of the insurance company, then you can claim compensation. You can even sue your insurance company for causing the damage.
Premises liability lawsuit in case of fire
If you have lost your property due to fire and there is no insurance coverage for it, then you can file a premises liability lawsuit against the insurance company. Even if you are insured for fire, then if the damage is caused due to fire, then you can still file a premises liability lawsuit against the insurance company.
Property damage due to improper use of the property
If you are using a building or an apartment and someone gets hurt in the process of using it, then you can file a premises liability lawsuit against the owner of the building. You can sue them in case you have proof of the person’s negligence and they failed to provide a safe building to you.
Hospital and doctors’ negligence
Premises liability lawsuit in this case will depend on the negligence committed by the hospital or the doctor. If they have failed to properly treat the patient, then you can sue them. You may have a premises liability lawsuit against the insurance company as well, if the doctors and the hospital failed to perform their duties.
Insurance Coverage Doesn’t Cover All Premises Liability Risks
If you are looking for an insurance policy, you may not find a product that covers all your premises liability risks. You have probably already realized that you are responsible for anything that happens at your home or place of business. In case something happens, it could affect you financially. However, if your property was unsafe and a person was injured, you may face legal consequences. You may have to pay for the damages.
There are many premises liability risks. Some of the risks that you may be exposed to are slip and falls, dangerous conditions, fire, water, mold, etc. Your coverage options will vary depending on your specific circumstances. You can review the following five reasons why you may have a premises liability case against your insurance company.
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1. Property Ownership
It may be that you own a house or a building that you rent out. This means that you will be liable if someone is injured or if something happens to your property. If you are an apartment owner, you will still be liable even if your tenants are negligent in maintaining the premises.
2. Your Insurance
The way that your insurance covers your premises liability risks may depend on the type of policy that you purchased. For example, if you own a home, you may be able to purchase homeowners insurance or renter’s insurance. You will have different types of coverages and different benefits that you will receive. You will not get the same coverage if you buy the policy for your rental home.
3. Other Liabilities
In addition to the risk that you will be liable for your own negligence, you will also be responsible for any other liabilities that you may be involved in. If you own a business, you will be responsible for the actions of your employees. If you work in an office, you will be responsible for any harm that occurs because of workplace hazards. You may also be responsible for damage that happens as a result of defective products.
4. Legal Penalties
It could happen that someone is injured on your property or on your business. This may result in a lawsuit, and you will have to pay the legal costs. You will also have to pay for your own attorney’s fees. If you fail to respond to the suit or you fail to provide proof of insurance, you will face penalties. If you fail to respond, you will get sued.
5. Other Resources
Your insurance will not cover every situation that may occur. If your house is being demolished or if it is being torn down, it is unlikely that your insurance will cover this. The property could be damaged, and you may have to pay for it.
Conclusion:
If you have any premises liability claims against your insurance company, then you need to hire a lawyer who can represent you. You can file a premises liability lawsuit against the insurance company if the insurance company refuses to pay you for your losses.
