Personal injury lawsuits happen everyday. Many people are involved in an accident and need to turn to the legal system to get the help and the restitution that they need. If this is you, you may be on the defensive side. Someone might try and file a lawsuit against you, which is why it is important that you protect yourself. Here are a couple things you can do to protect yourself in the case that you are sued.
1. Have Liability Insurance
It is important that you have liability insurance for your home and your car. For example, in your homeowner's insurance policy there are options to put in liability coverage. What this means is that if someone slips and falls on your driveway and tries to sue you, you could access your insurance policy to cover the lawsuit. Otherwise it will be coming out of your pocket.
Generally auto insurance is required. Within your insurance policy, there should be coverage for the other person in the accident as well as yourself. However, homeowners insurance is not always required. Even if you are not required by the state to have insurance, you still should simply for the liability coverage.
2. Get Waivers
Many homeowners have a pool, playground, zip line, trampoline and other fun things at their house. If you are planning on having a party with children, or have kids over to play at your house, you should consider getting a waiver. The children can get their parents to sign this waiver that states that you are not responsible for their safety while they swim, or play at your house. This will protect you in the case that a child breaks their arm, or has an accident on your property.
3. Settle Problems On Your Own
There are many disputes that could easily be resolved on their own, but one or both parties have been unreasonable. If there was an accident on your property, making a gesture to help with the expenses or even saying, "I'm sorry" might help to deter a lawsuit.
Saying you're sorry doesn't mean that you admit guilt; however, saying other things such as "it was all my fault" "I should have been watching them better" etc., are all statements that could be used against you. For this reason, be reasonable, be kind, but don't admit fault. This is to protect you if the person does decide to sue you.
These are just a couple ways that you can protect yourself in the case of a personal injury lawsuit. Getting a lawyer like those at Littman & Babiarz Law Office will also help.