In a personal injury claim, the at-fault party rarely wants to accept responsibility, and an insurance company will try to deploy a variety of tactics to avoid paying a claim. The attorneys at Peterson Law Office will be fully prepared to meet these challenges head-on. Here are the defense tactics we’ll be ready for:
Open and Obvious Doctrine
This defense asserts that a property owner is not liable for an injury because the dangerous condition was so obvious that any reasonable person would have seen and avoided it. That assumes a lot of facts not in evidence. For instance, just because it rains doesn’t automatically mean the floors in a store will be slippery. If they are, the store owner should mop them or put out a warning sign.
Contributory or Comparative Negligence
This argues that the injured person’s own careless actions contributed to the accident. For example, if you were wearing high-heeled shoes and tripped, the “shoe” could be blamed, not the loose flooring.
Fortunately, Kentucky is a pure comparative negligence state. That means even if you are partially to blame for the accident, you are still entitled to compensation. If applied to the shoe scenario, you could be partially to blame if your heels were too high, but the store owner can also be blamed for unsafe flooring.
Assumption of Risk
This defense is used when the injured party knowingly and voluntarily accepted the risk of a dangerous condition. If you go on a roller coaster at an amusement park, you assume the risk of the ride giving you an upset stomach, but that doesn’t mean you’re responsible if the ride breaks down or causes injury.
You did not assume that risk.
Lack of Notice
A property owner can claim they did not know about the dangerous condition. It follows that if they were unaware, then they could not have taken steps to fix it. This tactic is commonly used in slip-and-fall accidents in grocery stores, where a spill causes the injury. If the spill occurred before the staff were alerted, that could be considered a lack of notice.
On the other hand, it is rare for a spill to occur without immediate notification of the situation.
Whether these defenses are raised during negotiations with the insurance company or by a defendant in a trial, the Peterson Law Office attorneys will be ready to challenge them.