In the event someone is got injured on your property due to your negligence, you would be liable to pay for the medical expenses that were made by the person as well as any other legal fees associated with it.
This claim is submitted to your insurance company by you or the person affected. The person who was injured or had damaged property needs to prove negligence during the claim process.
Depending on the type of injury or property loss, the person needs to inform the policyholder on how to go about the process.
If the policyholder and the person affected are neighbors or friends, and the injury or property loss is not that major, you can settle the claims using the policy’s no-fault medical payments coverage, or pay out of pocket for the medical expenses.
However, if the accident is significant that is resulting in a loss of income, you might want to file a personal liability coverage claim with your insurance company.
If the claim is being made by the affected person, they would require your full name, the name of your insurance company, and your policy number.
If you disagree with the claim made by the affected person they may file a lawsuit for negligence and your insurance company will decide whether to settle and pay for the claim or fight the lawsuit.
If your insurance provider accepts to settle and pay, they would ask for additional proof from the witness of the incident.
Other things that your insurance provider may require from the affected person are medical bills, the date and time of the incident, and a detailed explanation of the entire incident.
Once the entire claim is submitted, the insurance company will assign an adjustor for your case.
This adjuster will assess the case, make the necessary investigation, speak to the witnesses, visit the place of incidence, and verify all the submitted evidence before approving the claim.