How To Claim For Insurance In A Product Liability Case

Category: Insurance 16 0

Do you have a case of product liability? If so, then you have to know your rights under certain laws in order to successfully claim for damages. Defective product cases usually result in high compensation amount, but claiming such case is no walk in the park. Such claims can take months to years if proper actions are not taken immediately; hence it is extremely important among claimants to consult with experienced SME business insurance professionals.

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Pursuing a defective product case may be complicated and time-consuming as you have to deal with the product manufacturer, company, or retailer. If you don’t have formal background in personal injury laws and other associated laws, then you may find it very difficult to claim, much more to win your case.  This is why it is vital for defective products victims to be assisted and guided by topnotch legal experts who can properly negotiate with insurance companies.

Have you ever bought a certain product that instead of functioning the way it was supposed to, it ended up putting your life at risk by causing you injuries? If yes, then you may have a claim for product liability case. However, before taking any legal actions, you should know the basics concerning such injury case.

In its most basic legal definition, liability for defective products refers to the manufacturer or retailer being liable for selling defective consumer product, which put the buyer at risk. Legally speaking, the product being sold by the manufacturer or seller mush meet the basic expectations of the buyer, and this means it should be free from defect or may not cause harm or injury. If the product fails to meet the ordinary expectations of the consumer and causes injury, the victim may file a product liability case against the liable party or parties involved.

Parties or individuals that may be held liable may include the following:

  • The manufacturer of the product/s
  • The manufacturer or the component or part of the product/s
  • The entity that assembles or installs the product/s
  • The wholesaler
  • The retailer

Common defective products that can cause injuries and even death to consumers include:

  • Automotive parts (tires, brake system, steering wheel, and others)
  • Electronic appliances (computers, televisions, cell phones, music players, and others)
  • Medicines
  • Children’s toys
  • Children’s items (strollers, feeding bottle, cribs, and others)
  • Firearms
  • Food products

The key to winning a products liability case is to preserve the pieces of evidence that prove that your injury was a result of using the defective product. If you were injured by using a defective product, you would want to secure and keep the product’s packaging, manual, receipt, photographs of the product after the incident, photographs of the injuries sustained, and medical records. These vital pieces of evidence can help you make a good case against the manufacturer or retailer, making it easier for you to claim injury damages.

While you can negotiate with the liable parties involved and their SME business insurance company, this is not recommended. It is important to work with legal experts who can efficiently and aggressively represent you and pursue your case. Your legal defender would know how to deal and negotiate with these companies, ensuring you of maximum amount of compensations.

By hiring the services of a law office, you can be confident that you rights will be preserved and that you interests will be prioritized. You don’t have to deal with the insurance companies because that will be your legal counsel’s duty. Because of this, you don’t have to worry about obtaining minimal amount of damages. Your legal defenders will be with you in every step of the way – from the initial consultation, gathering of evidence, informing you of your rights, mentoring you of the proper tactics to win your case, and negotiating with the insurance companies and the liable parties’ legal team.

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