Insurance Coverage Issues Complex in New Mexico Premises Liability Claims

New Mexico premises liability claims (often referred to as slip and fall accident claims) come with numerous complex, confusing and often highly contested insurance coverage issues.

The available coverage will depend upon numerous factors such as the nature of the property on which the accident occurred as well as the identity of the person or party responsible for the accident.

The coverage and sometimes the rules governing claims will vary depending upon the nature of the property. Specifically, claims on private property and commercial property are in many ways similar but may raise a host of distinct insurance issues unique to each. Claims related to government property will raise not only different coverage issues but an entirely new set of rules and deadlines. It is critical to understand these distinctions.

Just as important, a variety of different coverage issues and disputes may arise depending upon the identity of the party who caused the accident. There are numerous possibilities here. The responsible party may be a guest, a patron, a vendor, a contractor, a sub-contractor, an employee or a number of other possible parties or variations thereof.

The identity of the party is very important in many cases. The challenge is to show liability and fault of the property owner and/or other parties to the accident. As one might expect, there will be a lot of finger pointing in many of these cases with everyone attempting to dodge responsibility.

In order to identify and maximize insurance coverage, all of the issues, complications and coverage disputes must be worked. An experience personal injury attorney can help. The Albuquerque attorneys at Collins & Collins, P.C. can be reached at (505) 242-5958.