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What Does Premises Liability Insurance Cover

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premises-liabilityAccording to the Illinois Premises Liability Act, property owners are required to care for and maintain their premises. In the event an individual sustains an injury on their property, they may be liable. Therefore, property owners are encouraged to invest in premises liability insurance to protect themselves.If you have suffered from an injury as a result of a hazard on someone else's private or public property, you may be curious as to what their premises liability insurance covers and whether you are eligible to collect compensation for your medical bills, lost wages, and other damages.

Types of Accidents Covered by Premises Liability Insurance

Premises liability insurance is designed to pay victims who sustain injuries by dangerous conditions on properties. Some of the most common types of accidents covered by premises liability insurance are as follows:

Slip and fall accidents; Dog bites and animal attacks; Swimming pool incidents; Insufficient lighting; Cluttered floors; Damaged walkways and entryways; and Negligent security.

How to Recover Compensation Under Premises Liability Insurance

If you get hurt on a private or public property, you are not automatically awarded compensation under the property's premises liability insurance. In order to recover compensation, the following elements must be established:

  • There was a hazardous condition on the premises;
  • The property owner was aware or should have been aware of the hazard;
  • The property owner did not maintain their premises in accordance with Illinois law; and
  • You sustained injuries because of the property owner's breach of duty.

Evidence Necessary for Premises Liability Insurance Claims

To increase your chances of collecting the fair and full compensation you may be entitled to, evidence is incredibly important. Some of the most common types of evidence used to support premises liability cases includes:

  • Photographs or videos of the accident scene;
  • Witness testimony;
  • Medical records that show the severity of your injuries and cost of treatment; and
  • Real estate deeds or leases.

It is important to note that while evidence is crucial in all personal injury cases, it is even more vital in premises liability cases. This is because victims likely have limited access to the property.

Contact Our Joliet Premises Liability Attorneys

If you have been hurt on someone else's property, reach out to our highly skilled Joliet premises liability attorneys. For a free, no-obligation consultation, call us at 815-666-1285. We can determine whether you have a valid case, help you gather evidence, and ensure that you receive the maximum compensation you may deserve.

Source:http://www.ilga.gov/legislation/ilcs/ilcs3.asp?ActID=2048&ChapterID=57
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