In the event of an accident on another person or entity’s property resulting from a liable party’s negligence, you may be able to recover compensation through your health insurance, along with a third-party claim against the liable party. Understanding the role of health insurance in Albuquerque premises liability accidents could help you determine how to proceed with a claim.
For help with a premises liability claim, turn to the legal team here at New Mexico Accident Firm and find out how our experienced attorneys may be able to help you build a case.
In the event of an accident on another property, such as a slip and fall or a dog bite, the property owner is often liable. If owners, management, or others are responsible for maintaining a safe environment and fail to do so, injury victims may be able to pursue a claim or lawsuit to recover compensation against the liable party’s insurance.
For example, individuals might file a claim against a liable party’s insurer if that party failed to properly inspect their property, leading to the development of a hazard that leads to an injurious slip and fall accident.
At the same time, the victim’s health insurance may be able to cover immediate costs while they seek compensation through a third-party premises liability claim in Albuquerque. Health insurance could cover initial medical care until individuals are able to reimburse the company with a percentage of their settlement.
When filing a claim against a liable party’s insurer, claimants will typically negotiate the claim with an assigned adjuster.
Although the adjuster might appear to be helpful and on the claimant’s side during the negotiation process, it is important to keep in mind that they work primarily for the insurer. As a result, they will try to find ways to minimize the amount of available compensation or deny the claim entirely.
In many cases, adjusters will make an initial offer that falls well below what claimants can actually recover, which is why it is often better to reject that initial offer. Otherwise, accepting that offer could make it impossible to seek the amount of compensation the case is truly worth, including the amount of coverage needed to reimburse a health insurance company for short-term care.
More importantly, it is essential to work with a lawyer to handle insurance negotiations, particularly when large amounts of potential compensation come into play. An experienced premises liability attorney in Albuquerque knows the role of insurers and their tactics, enabling them to more effectively negotiate a fair settlement and reach a favorable outcome for claimants.
A good attorney could calculate the total amount of potential compensation and work toward recovering it with counteroffers to the insurer’s initial offer.
If you or a loved one suffers injuries in a slip and fall or another type of accident on another’s property, you may be able to recover compensation from property owners or other liable parties with a third-party insurance claim. However, filing against an insurance company on your own could leave you vulnerable to low settlement offers, and you may not know exactly how much your case is worth.
At NMAF, we understand the role of health insurance in Albuquerque premises liability accidents and could factor in the costs of immediate care into a settlement with an accident claim. Consult an attorney today to discuss your options.
