Broken Heel from Stepping in a Hole...

by Anonymous

I was at a friend's house. I went outside to the back to look at something. It was night and there was no light. I stepped off the porch and went into a deep hole and broke my heel (calcaneus fracture). This happened in August 2010 and I had surgery in October 2010.

I am now walking but with complications. I wanted to know if I've waited too long to file a claim and do I have a valid case? Thanks.

Visitor Question:
Disclaimer: Information provided in our response is NOT formal legal advice. It is generic legal information based on the very limited information provided. Under no circumstances should the information in our response, or anywhere else on this site be relied upon when deciding the proper course of a legal matter. Our response does NOT create an attorney-client relationship. Always get a formal case review from a licensed attorney in your area.

ANSWER for "Broken Heel from Stepping in a Hole...":

Anonymous (USA):

You have ample time to settle your claim or file suit if necessary. The Statute of Limitations for the filing of personal injury lawsuits in almost all States is 2 years. Therefore you have 2 years from the specific date of your injury in 2010. Whatever that date is, you will have until 2012 to file you suit or settle the case out of court.

Before considering filing a lawsuit consider negotiating a settlement with your friend’s homeowners insurance company. The process doesn’t have to be adversarial. Ask your friend for the name of her homeowners insurance company. Contact them and file a claim.

Your case will be assigned to a Claims Adjuster. She will make contact with you and will commence the settlement process. In the interim see the appropriate doctors. You may want to consider an orthopedic surgeon first.

Because your injuries clearly occurred on your friend’s property there shouldn’t be any reason for your claim to be denied. Make sure you include any and all out of pocket expenses. You will probably have to take time off for your treatment. Be sure to include in your claim all medical bills, or “Hard Costs” as they are referred to in the legal business, all out of pocket expenses, and lost wages.

They should all be compensated fully. You should also consider asking the Claims Adjuster for an additional amount of compensation for your pain and suffering. Normally multiplying the amount of your Hard Costs by at least 3 is a good place to start negotiating a final settlement.

The most important thing is to take care of your health first. The claim will follow your injuries and should be settled without dispute.

The above is general information. Laws change frequently, and across jurisdictions. You should get a personalized case evaluation from an attorney licensed in your state. Find a local attorney to give you a free case review here, or call (888) 647-2490.

Best of luck,

Judge Calisi

P.S. Please help us out by sharing this site...

Click here to post comments

Return to Homeowners Insurance Claim Questions

How Much Is Your Claim Worth?

Find out now with a FREE case review from an attorney...

How Much Are Your
Injuries Worth?

Find out with a
free attorney review: