First, ensure everyone’s immediate safety and seek medical help. Document everything: take photos of the pool area and the hazard that caused the incident. Get contact information from witnesses. Report the accident to the property owner or manager and request a written incident report. Keep all medical records and receipts. Do not give detailed statements or sign anything from an insurance adjuster before consulting with a lawyer who specializes in premises liability cases.

Comparative fault means your compensation can be reduced if you are found partly responsible for your own accident. For example, if you were distracted by your phone in a well-lit area with a visible warning sign, a court might assign you a percentage of fault. If you are deemed 30% at fault, your total compensation would be reduced by 30%. In some states, being more than 50% at fault can bar any recovery.

You can negotiate yourself for very clear, minor claims with small medical bills. However, for any claim involving significant injury, ongoing treatment, disputed fault, or complex issues, hire a lawyer. An experienced lawyer understands the true value of your claim, handles all communication, and knows negotiation tactics you don’t. They work to maximize your settlement, often securing far more money than you could alone, even after their fee.