There are personal injury lawsuits filed every day. Many people worry that there will be a lawsuit filed against them, and in reality, there is always a chance that this will happen. This is why it is always good to be prepared to make sure that you are protecting yourself from the worst case scenario. Here are some things you can do to protect yourself:
1. Tell People Of Any Risk Before The Fact
Ideally, you should tell people of any risks before the fact. So if you are going to have a pool party at your house, you should make sure that people know you don't assume any risk. Put up a sign that says the people swim at their own risk and that there is no lifeguard on duty. That way if someone is hurt while swimming, they can't blame you because you told them that there was no lifeguard.
You can do this with just about anything. You can have kids sign a waiver before they jump on a tramp, put out signs to tell people that you don't assume any risk for people playing on your playground and so much more.
2. Get Liability Insurance
The second piece of advice is the most important, and that is that you should always be carrying liability insurance. You should never go without it because in many cases when someone sues you, you can just access your insurance policy to help with the damages. For example, on your homeowner's insurance there will be a clause that gives you liability coverage, so if someone slips and falls on your driveway, you can access your policy to help pay for all of their damages.
This is not just for homeowners either; you can get liability insurance with your car insurance, which is also very important. People file personal injury lawsuits for car accidents all the time. If you have liability coverage, you will be better to pay for the lawsuit and any damages you are found liable for.
3. Don't Admit Fault
Lastly, when you are confronted with a situation do everything you can not to admit fault. Usually saying you are sorry is not admitting fault. Instead, you can simply apologize that the person is feeling pain. Otherwise, if you admit fault, you could hurt yourself and cause the other side to have more leverage against you.
By knowing these things, you can protect yourself in the case of a personal injury lawsuit.