Will My Homeowner’s Insurance Cover A Slip and Fall Injury on My Property in Colorado Springs?

Most of the time, when you’re hurt on someone else’s property, their homeowner’s insurance will cover the injuries you suffer. There are, however, limits to how much you can collect, and in some circumstances, you may not be able to collect at all.

It’s important to understand when you can sue for an injury claim and how to collect on those injuries in order to get the compensation you deserve. Learn what you need to know about the limits of homeowner’s insurance and injury payments, and how a Colorado Springs injury attorney can help.

Liability Coverage: The Limit on Compensation

When you’re hurt and you get a settlement for your injuries, the homeowner’s insurance policy will usually pay out these damages from the liability coverage under the policy. Unfortunately, this coverage is not unlimited and the insurance will only pay to the policy limits. Thus, if you get hurt for $150,000 worth of damages, but the liability coverage only extends to $100,000, the insurance company will only pay $100,000.

In some cases, the property owner might have an additional umbrella policy that kicks in to cover the rest, but not always. The owner of the property is technically still on the hook for the remaining damages, but getting them to pay out of pocket can be difficult.

Proving Liability

Another limiter on what you can collect is proving liability. To do that, you have to demonstrate that the homeowner was in some way negligent—that they knew a dangerous situation existed and failed in their duty of care by not addressing the situation. Your accident and injury must have resulted directly from this dangerous condition.

This means if for example, there is uneven concrete on their front stairs, they knew it was there and have had ample time to fix it, but have not done so, or even warned you, and you fall and hurt yourself, they can be held liable. If, however, a sudden cold snap caused the concrete to decay and crack, and the owner wasn’t aware it happened, they may not be liable.

Calling a Colorado Springs Injury Attorney

Collecting your damages from a limited liability insurance policy can be tricky. A Colorado springs injury attorney can be of great help in this matter. Not only will they fight for you against the insurance company, who may try any number of tactics to refuse your claim, they can work with the defendant to establish a means by which any remaining damages can be collected.

You have little to lose by talking to a lawyer, there’s no cost or obligation to have your case evaluated. This makes it simply a good idea to pursue your case through the services of an injury lawyer.

At Heuser & Heuser, we have decades of experience fighting insurance companies and getting settlements for our clients. If you’ve been injured, get in touch with us to discuss the details of your case today!

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Frequently Asked Questions

There are a variety of things we look at when evaluating your case and determining its value. We look at how the accident occurred. We look at what sort of injuries you sustained. Do you have a permanent injury that will last the rest of your life? Are you going to have future medical bills? We look at lost wages. Did you lose your job? If you have permanent work restrictions as a result of the accident, you may not be able to find a job very easily in the future. These are some of the factors that we look at in evaluating a claim. Every case is unique and different. That’s why at our law firm, every case gets personal attention from the lawyer when it comes time to evaluate.

Insurance companies are in business for a reason: to make money. Anytime they are paying money on a claim, it means less money to their bottom line. They have literally hundreds of adjusters and hundreds of lawyers who are on their side trying to figure out how to prevent money from leaving their checkbooks. Quite frankly, you do need a lawyer to help you through this because your lawyer will make sure you’re properly compensated.

Cases settle before going to trial 80 to 90 percent of the time. However, that doesn’t mean there’s not a lot of work involved in getting a case settled outside of court. Sometimes you have to file a lawsuit and do a lot of what I call “legal maneuvering” to get a case settled. That means we take depositions from witnesses to the accident, from police officers, and from your doctors. But, yes, most cases will settle prior to trial.

We do get good results for our clients. We have settled hundreds, if not thousands, of cases where we’ve had large settlements. We’ve had substantial verdicts. We go to the mat for our clients if necessary. We’ll appeal cases. We’ll do whatever it takes to make sure our client is taken care of.

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Questions Or Schedule A Free Appointment? Click To Call (719) 520-9909

No Fee Unless You Win

Questions or Schedule A free Appointment? Click to Call (719) 520-9909

Our Attorneys

Attorney Gordon Heuser | Heuser & Heuser | Colorado Springs

Gordon J. Heuser, Esq.

Attorney

As a Colorado Springs native, Gordon has been practicing in Southern Colorado for 35+ years.…

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Barkley D. Heuser, Esq.

Attorney

Barkley Heuser is a Colorado native, and has lived in Colorado Springs for over 59…

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Brennan Heuser | Personal Injury Attorney | Colorado Springs

Brennan D. Heuser, Esq.

Attorney

Brennan Heuser is a Colorado Native who graduated from the University of Miami, Fl with…

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