Does Someone Have to Be at Fault in Order to Make a Claim?
Yes. Liability insurance covers people when they make mistakes, and pays for injuries that result from those mistakes. If no mistake was made, the insurance company will not pay.
Negligence means that someone did not act as a reasonably prudent person would have acted. For example, a landlord who know that there is a hole in the floor and doesn’t fix it may be liable if someone trips in that hole. But if the landlord does not know about the hole, he may not be liable. Further, merely because you fall on somebody’s property does not mean that an insurance company will pay for your injuries. Unless the fall resulted from the negligence of the property owner, it will not pay.
At Norman M. Block, P.C., we will analyze the cause of your accident and determine if negligence occurred. At that point, we will contact the negligent party and make sure it’s insurance company gets involved in the case.