If you run a business that permits customers to come and go, then you know that personal injury liability coverage is a must. This is the only way to protect yourself from an injury that a customer sustains. When a customer enters the business’ property, they have the right to a reasonably safe environment, which means that they should not have to fear getting injured. However, should an injury occur, your personal injury liability coverage should cover their expenses.
Elements of a Personal Injury Liability Claim
If a customer tries to file a claim against your personal injury liability coverage, they need to prove three things. First, they need to be able to prove that the business owes the safety that was missed to the customers who come to the premises. Second, they need to prove that the business neglected this act of safety in some way. Finally, for a claim against your personal injury liability coverage, they need to be able to prove that this neglect in action directly resulted in their injury. If they cannot prove all three, most will not see any type of award for their claim.
Proving the Points of a Personal Injury Liability Claim
First, the customer must prove that the business regularly follows some type of procedure to prevent a problem with the area in question, such as shoveling, cleaning, or just general straightening on a regular basis. Then the customer must be able to prove that the action was not taken in order to be able to file a claim against your personal injury liability coverage. Pictures are often used for proof of this part of the claim. Finally, the customer must be able to prove some type of pain and suffering that is a direct result of the injuries they sustained at the business in question. This is usually proven with medical statements and bills.