Delta Lawsuit Loans covers a huge range of cases, but one of the most common cases we fund are slip and falls.
This type of case involves premises liability, which is when someone hurts themselves on property that belongs to someone else, whether that’s another person, a business, or the government (if you fell on government property, the rules that apply to you could be significantly different from those described here).
When you’ve been involved in a fall accident slip and you’ve hired a lawyer to potentially pursue a lawsuit, you can apply for a slip and fall accident lawsuit loan from Delta Lawsuit Loans.
Some Things You Need to Know About Slip and Fall Accidents
1. A slip and fall can happen to anyone.
According to the National Floor Safety Institute, a whopping 1 million emergency room visits are prompted slipping and falling every single year (out of 8 million for all falls), which means that slip and falls account for over 2 ½ percent of all ER visits in a given year.
Based on these statistics, fall injuries are common incidents that usually happen at work, school, or even at home.
Accidents like these are usually negligence from the third-party side such as property owners or employers.
2. A trip and fall can be an incredibly expensive injury to treat.
Treating falls is in industry all on its own.
Each year, Americans and their insurers spend about $50 billion on treating injuries related to falls according to the Centers for Disease Control and Prevention (CDC).
These include all falls, especially by seniors, and not just slip and falls, but the cost of falls speaks for itself.
At $50 billion total and 8 million fall victim reporting to the ER each year, each fall costs about $6,250 to treat, and that doesn’t include falls that end in death (this assumes anyone spends money on treating a fall injury goes to the ER, which isn’t always true).
3. If the accident was partly your fault, you can probably still sue.
Many people are under the false impression that slip and fall law requires you to prove that your fall or slip was completely the property owner’s fault.
They believe that if you contributed to the accident in any way, you can no longer sue.
Like many, this myth comes from some truth. Slip and fall law varies across the state.
It is true that in a few states, you can’t sue if your actions contributed in part to the accident (those states include Alabama, Maryland, North Carolina, and Virginia, as well as the District of Columbia).
Those states have a contributory negligence rule, which means you can’t, in fact, sue the property owner if you in any way helped cause the accident.
But for the other 46 states, your sharing part of the blame doesn’t strip you of your right to sue the property owner.
For the 40 of those 46 states that Delta Lawsuit Loans funds––and for Alabama, North Carolina, and Virginia if you didn’t contribute to the accident––you can apply for a lawsuit loan if you’ve been injured in a slip and fall and have hired an attorney.
4. But your fault is taken into account in the states that allow you to sue when you were partly at fault.
Even in the states that allow you to sue when you contributed fault to the accident, your fault will be considered when the jury decides how much to give you, or when the property owner decides how much to offer as a settlement.
States that don’t follow a contributory negligence rule follow a comparative negligence rule. Some of those states only allow you to sue if you were not as responsible for the accident as the property owner.
Those states follow a modified comparative negligence rule.
Others allow you to sue even if you were mostly at fault.
In either case, the jury subtracts your share of the fault from your damages. The resulting amount is what you get.
If you were 40 percent responsible for an accident that caused you $10,000 in damages, you’ll get 40 percent less than $10,000, or $6,000.
While it’s juries that legally have to follow these rules, they will be taken into account during settlement talks as well.
The whole point of a settlement is to anticipate a lawsuit, so the property owner will act according to what he or she believes the jury will do, and what the jury will do is follow one of the comparative negligence rules.
5. Your lawsuit may be against more than one defendant.
In many cases, more than one person can be responsible for your slip and fall (and we’re not counting you in cases when you contributed negligence).
That’s because you don’t have to sue exclusively for a slip and fall; you can sometimes sue for multiple causes after a slip and fall.
If you’re injured at work, for instance, you may have to sue your employer for an unsafe work environment and the building owner for failing to make necessary repairs.
6. Slip and fall laws extend beyond a fall accident slip.
In many states, the laws that govern slip and falls apply also to other types of personal injury lawsuits. Personal injury lawsuits include all non-vehicle-related incidents that we cover.
While many states apply slightly different rules to car accident lawsuits from those they apply to slip and fall lawsuits (especially in regard to statutes of limitations), states don’t generally differentiate legally between slip and falls and premises liability cases like it and other personal injury cases.
So states that set a statute of limitations of three years for slip and fall cases will generally have that same statute of limitations for other personal injury cases (assault and wrongful death cases being possible exceptions).
The same contributory or comparative negligence rules will also generally apply.
7. Delta Lawsuit Loans offers pre-settlement cash advances for slip and falls.
Finally, after recovering from your slip and fall and hiring a lawyer, you can apply for a slip and fall accident loan from us.
Our lawsuit loans come without the requirement of having your credit or employment checked.
That’s good because after an accident might be the worst time to have your credit or employment checked. In addition, you won’t have to pay us back if you lose.
We get paid out of the settlement, so if there is no settlement, you don’t pay, and we don’t get paid. And last but certainly not least, the lawsuit loan is your money, so you choose how to spend it.
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