Collect evidence that demonstrates the other party failed to act with reasonable care. Key items are the official incident report (like a police or workplace accident report), statements from independent witnesses, and photographs or video of the hazardous condition (e.g., a spill, broken step, or obscured sign). For vehicle accidents, traffic camera footage or dashcam video is powerful. This evidence should show what the responsible party did wrong or what dangerous situation they failed to fix.

First, ensure the person receives any necessary medical attention. Then, document the scene thoroughly with photos or video, capturing the exact condition that caused the fall. Get contact information from the injured party and any witnesses. Write down your own detailed account of what happened while it’s fresh. Notify your homeowner’s or business liability insurance company promptly. Avoid making statements about fault or promising to pay for expenses.

Do not automatically accept a denial or low offer. First, request a written explanation citing the specific policy language used to justify the decision. Review your policy yourself to understand the coverage. You have the right to appeal the decision and provide additional evidence. If the dispute involves significant value or a liability denial, it is strongly advisable to consult with an attorney who specializes in insurance disputes before proceeding further.