It is an unfortunate fact that it is possible for you to suffer an accidental injury that can result in catastrophic financial losses. Sadly, individuals that have suffered from accidents that were the fault of another party may not be aware of what they should expect when pursuing damages through civil action. By having these two common questions answered, you should find yourself far better prepared for this task.

Do You Sue The Homeowner Or Insurance If You Are Injured On A Residential Property?

If you are injured on another homeowner's property, it is important for you to understand that you may need to name both the homeowner and their insurance in the lawsuit. It is common for homeowners to have liability insurance policies that will help to protect them against some legal claims. However, it is possible for your injuries and other damages to result in expenses that far exceed the policy limit of the homeowner. When this is the case, it will likely be necessary to also pursue a lawsuit against the homeowner. For this reason, it is common for attorneys to name both the defendant and their insurance when filing lawsuits.

Should You Answer Questions From The Other Party's Insurance Provider?

Following a serious accident, it is common for the other party's insurance to reach out to you. Often, this will be done to get a statement from you and for you to answer questions about the incident.

Unfortunately, it can be common for the insurance to be attempting to get you to admit partial responsibility for the accident. If you make the mistake of admitting that you were responsible for the incident, the insurance may deny the claim, and it may also be far more difficult for you to be able to successfully pursue damages. For these reasons, you should always make sure to refer the other insurance company to your attorney. This will allow your attorney to ensure that you are being asked fair questions and that you understand the meaning of the question. Also, they can review your statement to ensure you have not inadvertently included incriminating language.

Facing the need to file a personal injury lawsuit can be a stressful and challenging time for anyone to go through. Not surprisingly, there are any people who are not particularly well-informed about this process. Ensuring that you understand that it may be necessary to name both the homeowner and their insurance in cases where the accident occurred on residential property, and the need to refer the other party's insurance to your attorney will help you to be better prepared for the challenge of navigating one of these cases. Contact a lawyer like one from Clearfield & Kofsky to learn more.