Slip & Fall Claims in Oklahoma: Do Insurance Companies Pay for Pain and Suffering?
A slip and fall accident can turn your life upside down in an instant. One minute, you’re walking through a store or office, and the next, you’re on the ground dealing with pain, medical bills, and uncertainty. If your fall happened because of a property owner’s negligence, you may be entitled to compensation. At Aizenman Law Group, our Oklahoma slip and fall attorneys help injury victims fight for the compensation they deserve—including damages for pain and suffering.
A common question we hear from clients is:
Do insurance companies pay for pain and suffering after a slip and fall?
The truth? They don’t want to. But with the right personal injury lawyer on your side, you can fight back and recover the compensation you deserve.
What Counts as a Slip and Fall Accident?
A slip and fall accident happens when someone loses their balance due to an unsafe condition on someone else’s property. These cases fall under premises liability law, meaning property owners can be held responsible if they fail to keep their spaces safe.
Common examples include:
- Slipping on a wet floor in a grocery store because no one cleaned up a spill.
- Tripping over cracked pavement in a parking lot that should have been repaired.
- Falling down slip and fall accident in an apartment complex with no warning signs.
- Losing your footing on untreated ice outside a business during an Oklahoma winter.
Each scenario highlights a preventable danger that could justify a claim. Whether you need a premises liability lawyer or a slip and fall attorney, Aizenman Law Group has the expertise to investigate these hazards and build a strong case.
Understanding Oklahoma’s Slip and Fall Laws
Oklahoma law bases liability on why you were on the property. If you were a customer in a store (invitee), the owner owed you the highest duty of care—they should have fixed hazards or warned you about them.
This duty is outlined in Okla. Stat. tit. 76, § 76-80. Even trespassers generally don’t have legal protections, except in certain cases involving children.
Oklahoma also follows a modified comparative fault rule (Okla. Stat. tit. 23, § 23-13). If you’re less than 51% at fault for your accident, you can still recover compensation—but your payout will be reduced by your percentage of fault. Additionally, claims must be filed within two years, per Oklahoma’s statute of limitations, or you lose your right to sue.
The challenge? Insurance companies love using this law against injury victims. They’ll try to claim you were distracted, wearing the wrong shoes, or should have seen the hazard—all in an attempt to reduce what they owe you.
That’s why hiring a slip and fall attorney from Aizenman Law Group is crucial. We push back against these tactics to make sure you get the settlement you deserve.
Why Insurance Companies Try to Avoid Paying for Pain and Suffering
If you’re expecting an insurance company to offer fair compensation, you might be in for a frustrating experience. Their goal is simple: pay as little as possible.
They might argue that:
- Your injuries aren’t as bad as you claim.
- You already had a pre-existing condition.
- The accident was partly your fault.
- You’ll recover quickly, so pain and suffering damages aren’t necessary.
Without a personal injury lawyer advocating for you, they’ll try to lowball your settlement or deny your claim altogether.
How a Personal Injury Attorney Proves Pain and Suffering
Unlike medical bills, pain and suffering damages don’t come with a receipt. That makes them harder to prove—but not impossible.
At Aizenman Law Group, our injury attorneys fight for maximum compensation by:
- Proving negligence – We gather video evidence, maintenance records, and witness statements to show the property owner was at fault.
- Documenting your suffering – Medical records, doctor’s notes, and personal testimony help paint a picture of how the accident has affected your life.
- Bringing in experts – We work with medical specialists and economists to demonstrate the long-term impact of your injuries.
- Negotiating aggressively – Insurance companies don’t offer fair settlements on their own. We use hard evidence and legal pressure to push them to pay what’s fair.
- Taking the case to trial if necessary – If they won’t negotiate in good faith, our slip & fall attorneys are always ready to fight for you in court.
How Insurance Companies Calculate Pain and Suffering
Insurance companies use different methods to estimate pain and suffering damages. One common approach is the multiplier method—they take your economic damages (medical bills, lost wages) and multiply them by a number between 1.5 and 5, depending on the severity of your injuries.
For example:
- Mild injuries → Multiplier of 1.5
- Moderate injuries → Multiplier of 2-3
- Severe, long-term injuries → Multiplier of 4-5
Of course, insurance adjusters will always try to use the lowest number possible. That’s why having a skilled personal injury lawyer is critical to ensuring you aren’t shortchanged.
Don’t Settle for Less Than You Deserve
A slip and fall accident can leave you with more than just medical bills—it can rob you of your ability to work, your independence, and your quality of life. But you don’t have to go through this alone.
At Aizenman Law Group, we’ve seen firsthand how insurance companies try to minimize payouts. We know their tactics, and we know how to fight back. Our slip and fall attorneys have helped countless clients across Oklahoma get the settlements they deserve.
Contact an Injury Attorney Today
If you’ve been injured in a slip and fall accident, don’t let an insurance company dictate what your suffering is worth. You have rights, and we’re here to protect them.
Contact our Tulsa personal injury lawyers at 918-215-8856 any time day or night for a free consultation. Let Aizenman Law Group be the advantage that turns your challenging situation into a fair recovery.
