Getting to the Insurance Company in a Premises Liability Case – A Virginia Personal Injury Attorney’s Report
It is essential that the insurance company for the business be put on notice of the claim as soon as possible after a serious injury at a business. The reason is that it is normally going to be the insurance company who is going to have to pay the freight for any successful claim.
Sometimes the business owner will make it difficult to get the insurance information. It’s not quite as simple as in an automobile accident case where you just call up Geico, State Farm or Progressive and they force their insured to report the accident if they haven’t already. In fact the insurance companies for commercial establishments tend to be more obscure insurance companies that are not necessarily household names.
I have had numerous cases over the decades where the business owner was a somewhat more fly by night or unprofessional operator like a low end motel or a gas station. Often you’ll call one of these entities properly identifying yourself as representing the injured person and they will give you the runaround about getting the insurance.
Typically what you have to do is ask for the manager or owner of the business and explain to them that they probably would be harming themselves and negating any insurance they might have by failing to let their insurance company know of an injured person’s claim.
However it’s critical that in a new personal injury case that you get to the insurance as soon as possible and get an acknowledgement from the insurance company of who they are and who the insured is. One good thing about premises liability cases is there is typically good insurance which will cover most serious injury claims.
It would be unusual for commercial insurance at a business to not be in the millions of dollars in potential coverage. Under these circumstances if you have a huge loss like one involving a spinal injury or traumatic brain injury which is catastrophic and life altering you at least know that there is probably going to be sufficient insurance coverage if you’re successful to help the person with their high economic losses. This is as opposed to an automobile accident case where unless the defendant is a commercial trucker there may be minimum coverage in the Commonwealth of Virginia of only $25,000.00.
If you have been hurt at a business call me at 757.455.0077 or see Cooperhurley.com