Filing A Renters Insurance Liability Claim

By Kyle Fitzsimmons, InsuranceAgents.com Staff Writer

A Step-By-Step Guide To Filing A Liability Claim

Insured individuals of all types take out policies and pay premiums hoping they will never have to actually use the policies they’re paying for. It’s an odd scenario but successfully filing a liability claim is a hassle that nobody likes to deal with because it is time consuming, not guaranteed, and often implies something incredibly misfortunate happened to you or your valuables. However, when it comes to renters insurance, filing a liability claim doesn’t have to be a headache if you know how to go about it.

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Liability coverage—usually with a limit on the monetary amount of coverage—is to cover you from any medical or legal bills that can result from somebody getting injured at your residence.

If this happens you should do the following before filing a liability claim:

• Tend to the injured party immediately and call 911 if necessary.
• After the party is cared for, immediately document exactly what happened and gather any witnesses that may have seen anything and report their observations.
• If the injured party requires medical attention and plans on suing you for any hospital bills, then you will need to immediately contact your insurance company and provide them with all documentation of the event as well as copies of the injured party’s hospital bill.

Help Yourself Out When Filing A Liability Claim

Although the fall-out could result in negotiations between you, your insurance company, and the injured, knowing what to do when the accident occurs is very important in filing a liability claim. If you forget to document the event or neglect to include witnesses in your findings then you are only making the process more complicated. Filing a liability claim is something nobody hopes they ever have to do but if the situation arises, knowing how to handle the situation will make it easier on you and your insurance company. Talk to a renters insurance agent today about filing a liability claim and whether or not you have enough coverage.

Published: Friday 2nd October 2009