Liability in Tenant Injuries
There are many factors at play when a person is injured on property owned by another, especially a landlord. When dealing with these cases, the law looks for some aspects of the landlord or property manager's actions.
To be held liable, each factor must apply to these circumstances. These include whether or not the place of accident was the landlord's responsibility to keep maintained.
This test remains especially the case if the owner knew or should have known that this would cause an accident leading to severe injury. If the damage was due to these factors, the landlord's negligence, then they can be held liable.
Suing in Court.
There are many cases in which property owners are sued in court for damages stemming from negligence. If there is a case where a tenant is injured due to the inaction of the landlord, a case can be brought about. For example, what if a tenant slips and falls on an improperly maintained floor and can prove the landlord failed to retain the area for any length of time?
Well, if that the fix should have been done quickly and easily, and that the injury was the direct result of such negligence, they could have a case in court. After such an incident, a plaintiff sues the insurance company. The company obliges in answering. This often includes disputing the claims, compensation for medical treatment, pain and suffering, and lost wages. Also, a duty exists to repair or replace damaged and destroyed physical property.
Often, owners or operators of property can avoid many of the problems that lead to injuries in the first place. By instituting regular checks of different parts of the property and fixing issues, a lot of questions go away.
Let the tenants know early on in the rental contract your policies on maintenance. By prioritizing different damages and how to fix them and noting tenant complaints, you can avoid costly lawsuits.
What is the Role of Insurance?
Choosing a property insurance policy is more than just watching a commercial on television. The different types of systems will have varying rates, deductibles, and coverage areas.
Comprehensive General Liability policies are critical. It protects you from future injury claims. This type of system includes the potentially high costs of injury cases.
Policy Purchasing Decisions.
When purchasing such a policy, make sure that you have enough coverage to reach all of your property, including assets such as vehicles used on the job. It should also cover what might seem like unrelated issues, such as libel, unlawful eviction, and invasion of privacy. These will shore up many concerns and conditions that could come up over the years.
Landlord Liability Insurance Information.
Why is Property Insurance Important?
Any property owner can tell you, being a landlord is not an accessible business. These people deal with renters. But they also may see issues related to damages and potential natural disasters.
Having an insurance policy can help a lot. But average coverage only exists to cover the constants of weather damage, fire, and crime. However, liability insurance covers accidents and injuries. So this coverage can be vital.
And this covers the full cost of medical payments for the injured and the legal expenses. So make sure that your insurance carrier cares about you. Many agents just want a quick sale and to collect your premium. Having a policy that covers property value, including any assets, remains relevant.
This insurance should cover all vehicles used for company work. Examples include a work truck or property manager's car. This type of policy should also cover unrelated issues. These items include eviction issues, libel, slander, and other legal problems.
What About Other Policies of Insurance?
Tenants also can get some protection through Renter's Insurance. This type of insurance protects renters. Coverage examples include robberies or fires not covered under the primary insurance.
These policies often cover up to $50,000 but have deductibles as low as $250. Also, this allows for a vast range of coverage in case of issues that can arise. These Renter's Insurance policies can also cover personal fault.
These types of insurance cover several different facets of coverage so that the tenant can feel secure. These policies vary per company and plan. But they inure to the benefit of the person and come with a range of coverage and payments.