Injuries happening at home are unfortunately rather common: from DIY session turning to disaster to rabid pets, burns and poisoning, the causes are manifold.
When it comes to household injuries, kids tend to be more at risk: emergency departments treat more than 200,000 children ages 14 and younger for playground and fall related injuries every year, according to the Centers for Disease Control and Prevention.
However, home and recreation-related injuries affect people of all ages, from infants to older adults, and account for about a third of all injury-related emergency department visits.
The good news is that you can often file an injury claim through a specialized body, your insurance company or file a lawsuit if the damages are important and a third party was involved.
In America, we’re famously known for living in one of the most litigious countries on the planet and personal injury claims take up to 60% of all lawsuits in the USA.
While the process might get a bit lengthier than through an insurance of injury claim company, if a serious incident happened at home or near about and a third party was involved, you can definitely claim a financial compensation under American law.
Whatever your options, it’s always best to follow this procedure:
- If you need to get to an hospital, always call an ambulance instead of asking your other half or a kind neighbor to take you there as their accounts (fact, date, time and place of the incident) won’t be considered as official.
- Depending on the situation, it’s important to get the contact details of any potential witnesses or victim that could also attest of the danger of the place or context.
- A medical certificate will then have to be produced by a doctor or hospital. Don’t leave it later than 5 days after the incident to send it to your insurance company (via tracked postal service) if that’s the solution you’re opting for financial compensation.
- If applicable, don’t hesitate to take photos of the exact place of the incident. More is definitely more if you need to build a strong case.
How much compensation can I hope to get?
This very much depends on the specific circumstances of the incident, such as seriousness of injury, rehabilitation time, loss of revenue, psychological and long-term physical damages, etc.
From minor injuries such as neck whiplash to disabling accidents such as loss of sight, you could be entitled to a minimum of $2000 on average but amounts can vary extremely.
Don’t leave it to the last minute, but be aware that many injury claim companies still accept cases for up to three years after an incident.