How does the Public liability claims process proceed?

Public liability claims are claims that can be made when one is involved in an accident at someone else’s premises, private or commercial, or in a public place. Common examples of such areas include malls, cinemas, shopping centres, construction sites, apartment complexes, etc. A claim helps the injured get compensated to cover their losses.

Questions to ask yourself to find if you can win a public liability compensation?

Delve on these questions to find if you are the right candidate for making a public liability claim. 

• Did you get injured at someone else’s property, i.e., a government-owned place, a neighbour’s place, etc.?
• Was the injury the result of your carelessness or another person, individual, or entity?
• Was the injury a minor or a major one? Did you have to spend money on the treatment, or did you miss office due to the injury?

What is the process of the claim process?

You have been injured as a result of the negligence of someone else and not your fault, and you know that you need to file a public liability claim. But, how to go about it? You cannot simply go to court or file a claim against the public property insurer. These are some of the steps that you need to follow:

• Since you need to submit proof of the accident, you need to collect the evidence. These could include videos and photos, the accident report filed by the building manager, statements from onlookers and previous victims if any.

• Have a medical expert like a qualified and licensed doctor to assess the injuries and give their statement. Test reports, CT scans, ultrasound reports, x-rays, etc., are all considered viable proofs to support your public liability claim.
• Investigate to find the responsible authority. You need to submit the identification of the person or organization responsible for the maintenance of the place or building and whose negligence caused the accident.
• The next step is to file the claim and submit the same with the insurer. Two things can happen post-submission of the claim. It might either get accepted or rejected by the insurer.
• If the claim is validated and accepted by the insurance company, they will first offer a settlement amount, and once you agree, the payment will be made.
• If the insurance company rejects the claim, you can approach the court and wait for the court’s ruling. You can also take the other party and their insurer to the court if you disagree with the settlement value offered.

All the above steps involve diligent work and, therefore, can be done by someone well-acquainted with the legal process. Thus, it is a smart move to consult with a local public liability lawyer who is an expert in the niche of compensation laws. Their knowledge can be a medium for you to step back and have the process is completed in a stress-free manner. With specialized lawyers handling your public liability claim, the chances of faster and optimized settlement of the claim are ensured.