Articles Posted in Premises Liability

Homeowners Insurance can cover a variety of bodily injury that someone who does not own the home or is not a family member suffers. The homeowner would have personal liability coverage that would kick in once someone begins the claims process. Then, the home insurer would make a payment to the injured person.

The Homeowners Policy Acts as a Personal Liability Insurance

The most common type of injury that would require filing a claim against a homeowner’s policy is when you have fallen on the homeowner’s property and have been hurt in an accident.

Serious household injuries are more common than one might think. In fact, more than 10 million individuals every year visit the emergency room as a result of injuries occurring on their residential property. These residential injuries account for more than 6 million or more insurance claims every year, where victims are seeking financial recompense for their medical expenses, lost time away from work, pain, suffering, mental anxiety and other types of damages and losses.

Common Types of Household Injuries Involving Guests

The most common forms of household injuries involve slip and fall accidents, drug overdoses, backyard drownings, electrical burns and dog attacks. Many residents and visitors are injured every year in slip and fall accidents by falling from ladders, falling downstairs and slipping on spilled liquids and slippery surfaces.

If you’ve ever felt queasy following a meal or regretted trying that new restaurant several days later, you are certainly not alone. Roughly 76 million people suffer from food poisoning every year in the United States and while most of the cases result in mild discomfort and sickness, some cases can be much more severe.

Tainted food claims the lives of about 5,000 people per year and the leading cause of food-related deaths is food tainted with harmful bacteria or viruses. The most effective way to avoid food poisoning is to handle and cook foods properly and to avoid any food that has exceeded its expiration date.

Microorganisms Responsible for Food Poisoning Symptoms

Trip and fall accidents happen all too often and typically end with serious injuries. When these kinds of accidents are caused by the negligence, carelessness or recklessness of others, victims often seek legal recourse for compensation. Common areas were trip and fall accidents occur include ramp ways, doorways, uneven surfaces, heavy traffic areas, stairways, unstable working surfaces, unguarded heights and outdoors on slippery or wet surfaces caused by ice, snow or rain.

Hundreds of thousands of individuals in the U.S. suffer a serious injury from a trip and fall accident each year. In fact, nearly 40 victims – mostly the elderly – die each day of a slip and fall accident. Even though these are common occurrences, only a few trip and fall claims and lawsuits are ever filed and resolved. Out of that, only a handful of victim cases that are finally heard by a judge and jury are ever resolved successfully. This is because trip and fall cases are often more challenging than many individuals think.

Proving the Facts

If you have fallen down the stairway, you are likely suffering serious injuries. This is because as your body fell, it had the potential of striking many hard surfaces before the falling stopped. As a result of your injuries, you are likely facing extensive medical bills, time away from work and financial obligations that are difficult to meet. So exactly what are your legal options for seeking recompense to pay your bills and recoup your lost wages?

Both indoor and outdoor stairway accidents are common occurrences for a trip and fall incident. When a stairway accident happens on another’s property, victims have the legal right to seek damages. This is because many stairway slips and falls can be prevented by the property owner, manager, landlord or occupant. Many of the preventable reasons that individuals fall on stairs, steps and stairwells involve:

• Collapsing or crooked stairways

Every year, hundreds of thousands of individuals suffer serious injuries in accidents that occur on public and private property. In many of these cases, problems with premises liability arise concerning the building’s design, construction and compliance with complex local, state and national building codes.

Building codes are essential to designing and constructing safe buildings and facilities. These minimum standards must be followed to create a safe environment for occupants and visitors. There are building codes for every facet of construction from the foundation to the rooftop. The codes regulate materials, components, design and building practices to ensure the durability and safety of the structure and its systems including mechanical, electrical and plumbing.

Additionally, building codes involve the installation of the buildings fire sprinklers, energy uses, emergency escapes, ADA compliance, exit signs, smoke detectors, elevators and accessibility. In addition to establishing building codes, the state also takes various means to enforce the codes and punish violators. Common violations often involve structural defects, missing exit signs, dangerous stairways, leaky gas fittings, faulty electrical wiring, malfunctioning sprinkler systems and absent emergency lighting.

In recent decades, America has become a lawsuit-crazy society. The greater increase in assets and earning power, the more at risk we become than the greater the need we have to protect ourselves. Many households, property owners and companies become targets of lawsuits and claims for compensation by anything that happens at home or at work. As a result, many of us purchase umbrella insurance coverage to protect ourselves against litigation. But exactly how does umbrella insurance coverage protect defendants in a personal injury case?

Nearly all of us purchase a homeowner’s insurance policy as an effective tool for safeguarding our property that can be damaged by wind, fire, flooding or natural disaster. However, the policy may not provide coverage or only minimal coverage in any event where an individual suffers injury on the premises. This means if visitors at home suffer injuries from a trip and fall or swimming pool accident, the policy will likely cover the injury claim.

In fact, the most common types of premises liability lawsuits for homeowners and property owners involve:

The efforts of three teenagers attempting to steal metal rods from a local construction company ended in tragedy on Thursday, August 21, 2014. Brick and concrete panels weighing up to 34,000 pounds fell unexpectedly, pinning one of the teenagers under the collapsed wall in the south suburban business yard. Authorities say the teen died at the scene of the accident.

The office of the Cook County medical examiner identified the 16-year-old youth as Dallas Harden from Alsip. The resulting autopsy indicated that the teenager’s death was the result of multiple crushing injuries caused by the collapsing concrete wall. The death of the youth has been ruled an accident by the county corner.

Surviving Teens Facing Charges

Negligence is a very confusing term for most people because it often comes with the false connotation of intent. In many cases, a party can be negligent even though it had the best intentions in mind. Defining negligence is synonymous with fault, because people often make mistakes or do things that were not intended, but are still responsible whenever those actions result in negative consequences. This understanding of negligence is very important when considering a personal injury lawsuit because the entire case will rest on proving that the defendant was the negligent party— or the one at fault for the accident, injuries or damages.

Duty of Care Owed to Person Whom Was Injured

When arguing negligence, the terms “breach of care” and “duty of care” are introduced when determining fault. Duty of care often makes people think of medical malpractice cases where the doctor failed to meet his duty of care or deviated from the standard of care. This applies to all aspects of tort law and the duty of care is defined as what is expected from the defendant under the circumstances present at the time of the alleged injury or damage. Property owners have the duty of care to make sure that their grounds are free of hazards that will cause trips, slips, falls and other injuries, dog owners have the duty of care to ensure that their pets do not attack other people and drivers have the duty of care to follow applicable traffic laws and to make efforts to avoid collisions.

With the cold weather showing no signs of relenting, many homeowners are turning towards propane tanks to provide some additional heat. Similarly, many people haul propane tanks around during warmer months as they connect them to their gas grills. However, the use of propane tanks does come with additional risk. In order to ensure that everyone uses their propane tanks safely, there are a few safety reminders and facts to clear up.

Propane tanks are not dynamite

One of the largest misconceptions of propane use is the fact that it might be prone to exploding. If you hit your propane tank with your car, your lawnmower, or if they simply fall over, you are not going to have an immediate explosion on your hands. While it is certainly important to handle your propane tank in a safe manner, causing it to explode is much more difficult than most people assume.