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Posted on 05-22-2016

Slip and Fall (Premises Liability) and No-Fault Medical Coverage

As my avid blog followers are already well aware, I am a Baltimore chiropractor that spends the majority of my time treating personal injury clients that usually include motor vehicle collision injuries and worker's compensation injuries. One form of personal injury that we see from time to time is a "slip and fall" injury, otherwise known as premises liability.

Stated basically, every commercial property must carry liability insurance to make sure to protect themselves against a loss that occurs on their property. They have to carry certain limits of liability (typically in excess of 1 million dollars) to make sure that if someone were to be injured on their property that they would not lose the business. With such large limits of liability it is not surprising that large retails are often the target of opportunistic criminals who want to take advantage of the insurance to file false claims.

One less known component of these liability insurances is known as Med Pay. It is a non-fault benefit available to non-employees that happen to be injured on another's property. In fact, if you review your own home owner's policy there is likely a small med pay provision on there, typically 5,000 or $10,000.

Here is why the Med Pay no-fault coverage is important. I had a patient about two weeks ago who was at Giant super market. She walked by the milk fridge and slipped and fell back backwards striking her head and lower back. As it turns out she slipped on some leaking refrigerant from the cooler. Unfortunately for this patient she did not have any health insurance coverage available to her. Luckily for her she had a good Baltimore personal injury attorney that understands premises liability. He contacted the grocery store and filed a claim. He was able to determine that Giant does, in fact, offer Med Pay benefits for people injured in their store, regardless of fault. The patient was relieved to find out that she has access to these funds to pay for chiropractic care, physical therapy, x-rays, and a hospital bill. Our office was able to treat this patient since Giant offered a Med Pay benefit as part of their commercial liability package.

There are many nuances to premises liability cases in Baltimore. I do not pretend to be an expert on them, as I spend the majority of my time treating auto accident patients in Baltimore. However, if you have been injured as a result of a slip and fall injury in Baltimore (Baltimore premises liability) you may have benefits available to treat your injuries. If you have questions or are not certain whether or not these benefits may be available to help cover the cost of healthcare associated with your injuries, please contact Mid-Atlantic Spinal Rehab & Chiropractic at (443) 842-5500. We would be happy to offer you a free no-cost, no obligation consultation.

Dr. Gulitz

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