What should I do if I am injured on someone else's property?
As a homeowner, what am I required to do to ensure that I am not liable for damages should someone be injured on my property?
Q: What should I do if I am injured on someone else's property?
If you are injured on someone else's property, take note of the surroundings and the hazard which caused you to fall. If you have a camera or mobile phone with photo capturing ability, try to take photos of the hazard as this may serve as evidence of the condition of the property at the time of injury. If there are any witnesses, ask for their contact information or a written statement of the accident from their perspective. If you are in a business setting, the business will probably require that you submit an accident report at the time of the incident. Be sure to retain a copy of this report for your records. In the upcoming days and weeks, keep clear records of any medical treatment needed and document any missed work which occurred as a result of you injury. Most importantly, contact a personal injury attorney who can review your case and inform you of the best course of action to receive compensation for your suffering and lost wages.
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Q: As a homeowner, what am I required to do to ensure that I am not liable for damages should someone be injured on my property?
As a property owner, it is your responsibility to maintain a safe environment for all visitors to your property. If there is a defective condition, you must warn individuals of the hazard and correct it in a timely manner. Regular maintenance will ensure that you are aware of any unsafe condition and are able to fix it to avoid injury to others. The extent of liability, if any, can vary depending on each situation, so it is best to consult a qualified personal injury lawyer who is familiar with the specific laws of your local jurisdiction.
Of course, one of the best ways to avoid having to personally pay for injuries by others on your property is to have sufficient insurance coverage for such injuries. If you own your home and have a mortgage on your property, you likely have homeowner's insurance. You should make sure that you are familiar with your policy and increase your coverage if you think it is insufficient. If you are a renter, you should consider obtaining optional personal liability coverage, particularly if you have a swimming pool or dogs on the property. In the latter case, make sure that your insurance covers the specific breed of dog that you own.
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