If you are involved in a Nevada car accident, you may experience physical injuries that require medical care, hospitalization, or even long-term rehabilitation. There is another type of injury, however, that many accident victims are unaware of how to handle — damage to personal property. Destruction or damage to personal property caused by another’s negligent or intentional misconduct classifies as injury to personal property. For example, this could include damage to a cell phone during a slip and fall or motor vehicle damage caused by a car crash. You may be entitled to monetary compensation from the at-fault party if you have suffered injury to property, no matter how the damage occurred. Keep in mind that the funds that you receive through an insurance claim or lawsuit against the insurance company should cover the cost of repair, replacement, and any other additional expenses you experience.
Types of Damage to Personal Property
Not surprisingly, injury to personal property can happen in many different ways. This may include:
- Motor vehicle accidents;
- Motorcycle collisions;
- Pedestrian accidents;
- Commercial truck crashes;
- Boating accidents;
- Dog bites and attacks;
- Slip/trip and fall accidents;
- Workplace incidents;
- Defective products.
Personal Property Insurance Claims
Insurance claims regarding to damaged property often includes the following types of property:
- Boats, yachts, and personal water vessels;
- Trucks, cars, motorcycles, scooters, and other motorized vehicles;
- Furniture, electronics, luggage, jewelry, artwork, personal items, musical instruments;
- Electronics like computers, cell phones, and televisions.
Insurance coverage on damage to property depends on the insurance carrier. While some insurance policies cover the cost of repairs as a result of an accident, others cover the cost of replacement. For these reasons, it is critical to review the policy to understand whether a claim for payment of specific losses is available to you.
What to Do if You Have Experienced Injury to Personal Property
When filing a property damage claim, it is important to take inventory of each item damaged as a result of the accident. It is critical to estimate the value of these items that require either repair or replacement. Taking pictures of everything can also be incredibly helpful. Moreover, properly filing a claim and submitting all available evidence to the insurance carrier for review is essential to a successful claim. Keep in mind that the insurance company will require proof that another party was at fault for the accident and resulting damage was due to their actions.
If you were involved in a car accident, be sure to bring your vehicle to an auto body repair shop for an estimate. The shop must evaluate the condition of your vehicle and determine the estimated cost to repair the damage. If your vehicle is deemed a total loss, the insurance company may pay for the replacement of your vehicle based on its fair market value.
Contact Us Today
If you or someone you know has suffered an injury to personal property as a result of an accident due to another’s negligence, contact H&P Law to discuss your legal options. Our experienced personal injury attorneys will review the facts, determine fault, and file a claim with the insurance carrier. We will fight for compensation to cover your property losses. Contact us for your free consultation.