Do I need a lawyer, making claim against a friend's home owner's insurance?

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Posted 9/13/2011 by pc2801 in NSBR Board
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pc2801
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Posted: 9/13/2011 4:05:42 PM
Long story short, I fell leaving a friend's house due to no outside lighting and a step that I think was poorly place/designed. I was taken to hospital by ambulance and was told I would need surgery. Surgeon only opporates 1x a week, so it was a week before I had surgery.

Friend agreed to pay my bills as I am unemployed and don't have medical. His parents own the house and he was afraid to tell them it happened/thought they didn't have adequate coverage. I told him if he could pay the bills that was fine. Gave him a couple weeks all while I've got medical bills coming in and I'm turning down small jobs like babysitting and tutoring that would really help me pay for prescriptions and food right now. So after three weeks of him not following up on what he said, I told him go talk to his parents because these bills need to be paid now. He told his parents and they do have coverage but the limits are $1K medical/$300K liability.

I spoke to the insurance agent today, and expect to get a call from an adjuster in the next 24 hours. The agent indicated that he is sending me a packet and since I have bills over the $1K he can start process to send $1K from the medical limit now. I may be under a doctors care for up to 5 more months. I haven't started physical therapy and have been told be several people that this injury can take up to six months to heal. Agent indicated that no additional money will be sent until all treatment is complete and they can evaluate my total claim against the liability portion of the coverage. I am wondering if I should hire a personal injury lawyer to help me navigate the claim?



str8up
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Posted: 9/13/2011 5:21:42 PM
Is this the friends house where you weren't invited, you just showed up? (other thread) just curious.

Nicole in TX
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Posted: 9/13/2011 5:25:51 PM
I never would make a claim against a friend's home owner's insurance. That is not what friends do. I would work for 10 years to pay off the bill before I did that.



mrgiedrnkr
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Posted: 9/13/2011 5:36:10 PM
I can't wait to see the responses to this thread as it was a huge topic in our book club and is now a long standing joke. I would NOT sue a friend if an injury happened and I even went as far as to say that I would drop them as a friend if they sued me. I was definitely in the minority & most would sue because they weren't suing me, they were suing my insurance.

Not to derail the OP but the situation was so identical to our book club debate that I had to mark my place.
Stacy

bizzymumma
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Posted: 9/13/2011 5:39:47 PM
Ugh, I can't imagine having to sue your friend (or, their insurance company) to get your medical bills paid. What happens with the bills over $1,000? Would you have to personally sue your friend to get them to pay them? Would you expect them to get a loan, second mortgage, etc. whatever it took to pay your medical bills from this accident??

If you did have your own medical insurance, would you still sue?

I can't imagine being in your position and having to deal with financial difficulty on top of a medical emergency. I hope it all works out the easiest way possible. It does sound like you need a lawyer, in the given circumstances, but I really wouldn't know how it works for you (lol, obviously, by all my questions!).


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Christine58
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Posted: 9/13/2011 5:42:12 PM
Didn't this happen at an old BF's house during a booty call?? And he didn't want his parents to know you were there??? Thought that was you



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Just T
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Posted: 9/13/2011 5:44:06 PM

Gave him a couple weeks all while I've got medical bills coming in and I'm turning down small jobs like babysitting and tutoring that would really help me pay for prescriptions and food right now.


Just curious...why are you turning down babysitting and tutoring jobs?

KikiNichole

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Posted: 9/13/2011 5:44:52 PM
Oh, wow. Well, I guess I'd kiss that friendship goodbye.


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tatmommy
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Posted: 9/13/2011 5:47:55 PM
I would NEVER do that to a friend. It was an accident for goodness sake. You should be responsible for your own injury. I can't believe you made a claim on the home owners! Shame on you!!
It is sad to think that so many people find this okay. Sometimes an accident is just an accident and it isn't anyone's fault.


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busypea
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Posted: 9/13/2011 6:01:38 PM
I'm sorry you're in this situation. It sounds miserable, and the timing just stinks with you being uninsured.

I think it's nice, in theory, to say that one would never make a claim against a friend's insurance, but what is the alternative here? She's unemployed and uninsured. It sounds like the bills are going to be major and she doesn't have means to pay. Should the medical providers and hospital just take the loss instead? That just drives up the cost of medical care for EVERYONE and does not seem like a better alternative than utilizing an in-force liability policy. But really, it's a no win scenario for all concerned.

Given the situation, you probably should speak with a lawyer. Get a free consult with a specialist and they can tell you if they can help you, what it might cost, what to expect, etc..

pc2801
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Posted: 9/13/2011 6:02:17 PM
I was invited over. Friend was the wrong word, maybe acquaintance is better term. I would not be speaking to this person if it weren't for the fact that he made promises to help me out and didn't follow through and I really have no way to pay even $20/month to the medical bills.

It was negligence on their part that the step is dangerous and the outside light was burned out and not replaced. I am not suing my "friend" for my financial gain. I have thousands of dollars of medical bills for the lab work for surgery, x-rays, surgeons fees, and prescriptions. I spent the night in the ER and my outpatient surgery turned into 36 hours in the hospital. I haven't been billed by the ER doctor, anesthesiologist or the hospital facility itself yet so no idea how much the final cost would be. If I have to take on all these bills myself I will be bankrupt as I am trying to get my degree while continuing to look for work. As it is I can't attend school right now and won't know if I will be able to attend school in January.

When you have a car accident if you have medical insurance they will not pay, it must go under your car insurance. I don't see the difference here, the home owner's son was negligent, why would my medical insurance have to pay for that. The reason your home owner's insurance has liability is to protect you the home owner financially if someone is hurt on your property due to negligence.



FLCindy
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Posted: 9/13/2011 6:02:30 PM
Waving hello from a local Pea!



Kerry in CT
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Posted: 9/13/2011 6:04:50 PM
If someone fell at my house and required surgery, I would certainly be tapping my homeowners insurance to cover her costs. I would feel like an uncaring heel otherwise!


Kerry in CT

pc2801
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Posted: 9/13/2011 6:17:34 PM
I am unable to babysit or tutor as I can not walk or drive. When the babysitting gig came up I hadn't had surgery yet and was taking narcotic pain killers. The client was looking for a regular full-time sitter, I wouldn't be able to lift children or do much playing with them in my condition. Since I am using crutches, walker and wheelchair to get around I can't prepare food and bring it to the child when using a walker or crutches. I was asked to tutor while I was still on narcotic pain killers post-surgery. The pain killers were necessary for the time I was on them, but they made me drowsy and my focus was not good. I also have not been cleared to drive by the doctor despite not being on any medications now and even if I had been cleared, I can't sit forward in the seat. I currently have to sit across the back seat in order to ride in a vehicle.



Gsquaredmom

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Posted: 9/13/2011 6:17:41 PM
I am sorry for your injuries. Will their insurance pay without a suit?

Personally, I would not sue my friend, and I am not completely convinced you have a case. I am not a lawyer, but isn't there some obligation on the injured's part to mitigate damages or prevent the accident? In this case, you knew it was dark and approached and used steps you could not see? And if you could see them and saw they were bad, you used them anyway? Had you been to this place before and noted the bad step and/or lack of light? Like I said, not a lawyer, but I am not convinced they were negligent---you entered into a situation you should have perceived as a potential problem.

Me? I would probably pay bills forever rather than accuse someone of negligence. You may want to see a lawyer just to be sure you have a case. You could also let the bills accumulate and declare bankruptcy. Medical expenses are one of the top reasons for declaring. Again, I would make a payment plan and stick to it, but it is an option people pursue.



SonjaW
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Posted: 9/13/2011 6:19:59 PM
To answer your question: Yes, you need a lawyer. With injuries like that you are talking about major money involved. You will probably end up getting as much money or more than if you didn't get a lawyer because, even though you will have to pay lawyer's fees, you are going to get a larger settlement amount. The insurance company will dick you around endlessly until there is a lawyer involved. When I had a personal injury claim they dicked me around for months before I hired an attorney and I AM an attorney. If they had offered me anything reasonable, they could have saved themselves the attoney's fees and just paid me. You can probably get a referral from your state or county bar association. Besides that, the medical providers will be more understanding if you have an attorney handling the case. They will still send you bills, but they will know they are going to get paid.

GAPeachfuzz
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Posted: 9/13/2011 6:20:02 PM
I have to say that if a friend got injured at my home (especially if it was through negligence on my part) I would absolutely be doing whatever I could to have my homeowner's insurance pay for it. That's why I have it and pay premiums every month. It doesn't sound as if the OP is looking to get rich and be financially set for life. She just wants her medical bills paid. Who could blame her. It also sounds like maybe she doesn't have insurance of her own to cover the bills.

Conversely, if I got hurt at a friend's house and DID have insurance I would not even think about filing a claim. That's why I pay for my medical premiums every month.

I don't think it's fair to expect the OP to go into tens of thousands of dollars of debt just because she doesn't want to hurt her friends feelings. That's silly. Honestly, if the friend were a friend at all, I don't think they would want or expect her to do that.

Just my 2 cents.

moveablefeast
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Posted: 9/13/2011 6:25:37 PM
I would not sue my friend in this scenario.

However, this is what homeowners insurance is for. Someone falls on your property, you are covered. This is exactly what it is for and at least in the case of my own policy, does not require that the homeowners were in any way negligent. We actually spoke with our agent after my mom fell down our stairs (she is underinsured). We did not end up filing a claim for her care, because her injuries were not severe, but he was very clear: this is why you pay your premium, to cover you in circumstances just like this, if you need it, use it. And had we been looking at large bills after her fall, you bet we would be filing a claim. She was in my house - my stairs are just fine, but she fell in my house. And that is what homeowners insurance is for. The way our policy is written, if a guest is injured in my home, their medical bills are covered up to a certain amount with a certain deductible, and if they were to sue us for additional damages, the policy would pay a court ordered settlement.

If you need legal representation to negotiate your relationship with the insurance company, that is probably reasonable. But me personally, I would hope only to have my out of pocket bills paid, but would not seek an additional settlement. (OOP costs being only what was not covered by my personal medical coverage - ER bills, ambulance bill if applicable, etc.) This is what I would feel is most appropriate. I suppose your mileage may vary on this one, but that is MHO.

Momof3Pits
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Posted: 9/13/2011 6:28:27 PM
So do you have your own medical insurance or not?

boxerkisses
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Posted: 9/13/2011 6:31:13 PM
I work in Insurance, the 1K you are getting is no fault guest medical coverage, its provided regardless of fault. Filing a claim is not easy you will have to provide proof of negligence (not changing a light bulb and a step that has probably been there for years usually is not) and from what you described it will probably deny and you will have to get an attorney involved if you can even find one to take your case, slip and falls are not money makers and very hard to win.

Captain K
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Posted: 9/13/2011 7:01:39 PM

I was invited over. Friend was the wrong word, maybe acquaintance is better term. I would not be speaking to this person if it weren't for the fact that he made promises to help me out and didn't follow through and I really have no way to pay even $20/month to the medical bills.



How do you know this person? I don't think it was a booty call since you said recently you were in a long-term relationship...


WingNut
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Posted: 9/13/2011 7:18:51 PM
This is why we carry insurance. It's not pleasant and definitely unfortunate, but I really don't think you have much choice in the matter. I hope you recover fully.


Joy


busypea
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Posted: 9/13/2011 7:22:20 PM

So do you have your own medical insurance or not?

She said in her OP that she does not.

**cindyupnorth**
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Posted: 9/13/2011 7:38:02 PM
First off, what sort of surgery did you have done??

2nd..you weren't drinking or incapacitated any other way, correct?

Then yes, I would certainly be using their home owners insurance, but I would not sue them. I would hope they would do the right thing.






nettieintx
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Posted: 9/13/2011 7:40:03 PM

When you have a car accident if you have medical insurance they will not pay, it must go under your car insurance. I don't see the difference here, the home owner's son was negligent, why would my medical insurance have to pay for that. The reason your home owner's insurance has liability is to protect you the home owner financially if someone is hurt on your property due to negligence.


This.

Ok first of all no one needs to sue anyone. Filing a claim with an insurer is not suit. Second, for those that think you are a crappy person for filing a claim, if you're in your friends car and they run a red light or a yellow like and the car is t-boned and you are hurt, you're not going to file a claim because they are your friend? This is why we have insurance, to protect us from a huge potential financial burden if something were to happen. I don't get the argument that you wouldn't file a claim. Yes I wouldn't sue but she's not suing anyone.

Personally I would wait until all treatment is done and find out your medical costs and then see what they offer and go from there. An attorney is going to take 40% off the top and getting an attorney is not going to get you money any sooner. You wont get any money as your healing/treating so you will continue to feel that burden. An attorney can't get you that money any sooner unless they advance it to you themselves which I doubt would happen.


pc2801
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Posted: 9/13/2011 7:54:22 PM
Wow, glad I put on my big girl panties and flame retardant suit today.


Have you thought about maybe putting school on the back burner and getting a job and paying for your own insurance in case you go somewhere and slip and fall? It is called preparing yourself for life.


As a matter of fact, I stated previously I am looking for a job (any job ) while attending school. I live in South Florida which like many other areas of the country has had record foreclosures and unemployment.

I would gladly cut back on school and take one class a semester if I had to for a job. I was going to school full-time when I lost my job so balancing school and work is not the issue.

When I was offered Cobra it was more than I could afford to pay and pricing individual policies, I've found that it costs more than I could earn working full-time at minimum wage if I could even get a job.



pc2801
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Posted: 9/13/2011 8:04:55 PM

First off, what sort of surgery did you have done??

2nd..you weren't drinking or incapacitated any other way, correct?

Then yes, I would certainly be using their home owners insurance, but I would not sue them. I would hope they would do the right thing.


I was not drinking or incapacitated at all. This was the first time I had been to the house so I was unfamiliar with the front walk. When I pulled up to the home it was dark, but my eyes were accustomed to the darkness. When I was leaving the house, I was leaving a house that had more light than outside. I turned around from the front door to walk away and fell on concrete. The ambulance crew also commented on how dark it was without a porch light.

When I fell, my patella was shattered, I also hit my head and bruised both my hands as I fell on them. The surgery was to repair the patella, it wasn't going to heal itself without surgery. I have screws, wire and bone graft material putting it back together. I turned down a CT scan of my head as I did not lose consciousness or have any disorientation and I knew that was one expensive test I didn't need. The doctors knew I had no insurance and they were more than willing to give me the CT scan if I wanted it.




lucyg819
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Posted: 9/13/2011 8:10:14 PM
When I was a kid, we got in a car accident and my brother's friend who was in the car with us was injured. He had to be hospitalized, have surgery, therapy, etc., and had some minor permanent damage to his arm.

I heard my dad tell the boy's parents that they should sue our insurance if need be to collect medical expenses. Not in a mean way, "so sue me" but more matter of fact, because they were having trouble collecting from the insurance. He did not consider it a personal attack if friends sued.

That's what insurance is for, to pay those big bills you could end up being liable for. If they balk at paying when needed, getting a lawyer to navigate that minefield and/or even to sue if need be is completely reasonable. It's not a sign of being a bad friend or greedy or grasping or anything like that.

You need a lawyer.


LUCYG
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**cindyupnorth**
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Posted: 9/13/2011 8:24:56 PM
Wow..that's a pretty tough surgery. I feel for you. You are probably in a brace for awhile?
Yea..you're going to need some longterm settlement I think.






cori in wa
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Posted: 9/13/2011 8:27:24 PM

I never would make a claim against a friend's home owner's insurance. That is not what friends do. I would work for 10 years to pay off the bill before I did that.


EXACTLY what Nicole said.

Poor lighting or not, some personal accountability is a good thing.

Shih Tzu Mommy
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Posted: 9/13/2011 8:29:22 PM

Long story short, I fell leaving a friend's house due to no outside lighting and a step that I think was poorly place/designed. I was taken to hospital by ambulance and was told I would need surgery. Surgeon only opporates 1x a week, so it was a week before I had surgery.

Friend agreed to pay my bills as I am unemployed and don't have medical. His parents own the house and he was afraid to tell them it happened/thought they didn't have adequate coverage. I told him if he could pay the bills that was fine. Gave him a couple weeks all while I've got medical bills coming in and I'm turning down small jobs like babysitting and tutoring that would really help me pay for prescriptions and food right now. So after three weeks of him not following up on what he said, I told him go talk to his parents because these bills need to be paid now. He told his parents and they do have coverage but the limits are $1K medical/$300K liability.

I spoke to the insurance agent today, and expect to get a call from an adjuster in the next 24 hours. The agent indicated that he is sending me a packet and since I have bills over the $1K he can start process to send $1K from the medical limit now. I may be under a doctors care for up to 5 more months. I haven't started physical therapy and have been told be several people that this injury can take up to six months to heal. Agent indicated that no additional money will be sent until all treatment is complete and they can evaluate my total claim against the liability portion of the coverage. I am wondering if I should hire a personal injury lawyer to help me navigate the claim?

I would swear I read this exact same post in the past few weeks. The part about not telling the parents is what jumped out at me. Is this a repeat?



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cori in wa
StuckOnPeas

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Posted: 9/13/2011 8:29:25 PM

and I really have no way to pay even $20/month to the medical bills.


Sure you do. In another post you said you were turning down jobs. THAT is a way to pay $20 toward your bills.

Christine58
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Posted: 9/13/2011 8:31:56 PM
It is a repeat....she told us all this a couple weeks ago and I swear it was an ex boyfriend she went to "see"....but of course she has not responded to that part of my other post...and I cannot find her OP about it...HMMMM....bet it got deleted...



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kris*g
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Posted: 9/13/2011 8:32:07 PM
I have no idea if you have a good claim or not, but you should consult with an attorney.

If you did have medical insurance and they had paid for all of this care, wouldn't they have gone after the home-owner (if it was a good claim). I don't know, but it seems possible.

nettieintx
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Posted: 9/13/2011 8:32:34 PM
I wanted to add that in addition to my high liability limits on my car, I have. PLUP that gives me liability protection of up to $1 million. Do I believe I'm going to be negligent enough that is exposing me to that much? No but heaven forbid I pass out or something while driving, I want the peace of mind if I were to cause major damage. It covers my house too.

moveablefeast
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Posted: 9/13/2011 8:42:39 PM

Sure you do. In another post you said you were turning down jobs. THAT is a way to pay $20 toward your bills.


A subsequent post indicated that the reason for declining those jobs was because they were babysitting jobs and she was on narcotics. That is reasonable.

LunchBox
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Posted: 9/13/2011 8:48:33 PM

Sure you do. In another post you said you were turning down jobs. THAT is a way to pay $20 toward your bills.
You must have missed this whole post where she explains why she's turning down jobs...

I am unable to babysit or tutor as I can not walk or drive. When the babysitting gig came up I hadn't had surgery yet and was taking narcotic pain killers. The client was looking for a regular full-time sitter, I wouldn't be able to lift children or do much playing with them in my condition. Since I am using crutches, walker and wheelchair to get around I can't prepare food and bring it to the child when using a walker or crutches. I was asked to tutor while I was still on narcotic pain killers post-surgery. The pain killers were necessary for the time I was on them, but they made me drowsy and my focus was not good. I also have not been cleared to drive by the doctor despite not being on any medications now and even if I had been cleared, I can't sit forward in the seat. I currently have to sit across the back seat in order to ride in a vehicle.
I would not hesitate to claim against a friend's home owner's insurance. It wouldn't bother me one iota if my very best friend claimed against mine. She would still be my friend, no judgement from me.



scoobers
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Posted: 9/13/2011 8:55:07 PM
A scenario like this is exactly why we carry homeowners insurance. That's what it's for, among other losses. OP, you will probably be better protected if you hire a lawyer.



scrapulous
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Posted: 9/13/2011 8:58:27 PM
When my toddler ds was injured at my mother's house (I was there, it wasn't anyone's fault, just an accident) my ds' health insurance company called and asked how he got the injuries. I told them. They then filed a claim against my mom's homeowners insurance policy, and that was that. This is done all the time.

Of course, if the injured party doesn't have insurance, then they will have to file the claim themselves. But even an insurance company doesn't want to pay if they can get the money from the homeowners policy. That's the way the game is played, and it doesn't mean you can no longer be friends.

Yes, you need to file a claim. That is what the policy is for.

TheBiscuitScraps
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Posted: 9/13/2011 9:04:25 PM
This is what homeowner's insurance is for.

Get a lawyer...a good one.


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snappydog
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Posted: 9/13/2011 9:07:40 PM
I fell at my SIL's house two years ago in broad daylight. I am blind and I missed a step. I broke my arm and incurred medical bills in New Jersey. I would never ask my SIL for $$$ and we have pretty good insurance.....BUT.....my medical claim triggered an investigation by my insurance company looking for someone to pay the bills besides them.

They actually wanted to know where I fell, how it happened, residential location or if a business was involved, etc. They were determined to find anyone but them to pay that claim. I was pissed but they wouldn't back down.

So, even if the OP had health insurance they would be looking at the location and the homeowners insurance of the home owner to cover their claim. This is what insurance is for. It's a claim, she's not "suing" them.

Sandy

sugarcoated
StuckOnPeas

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Posted: 9/13/2011 9:11:49 PM
People are so weird. Yes, you should file a claim and anyone saying they would not is a liar. It's what insurance is for...if not, then why are they all telling you to get it.

Only agree to any settlement if the insurance company makes deals with your medical care providers to accept the policy limits and covers you for some work loss. If they refuse to do so, then perhaps seek an attorney. Here's the thing. The attorney will only only make a demand for settlement based on your damages - your medical costs plus work loss. If you got a settlement, the attorney gets 40 percent, your medical bills will have to be paid out of your portion of any settlement and the attorney will get back their costs. So, its not like you'll make out big time or anything, it will really only be about protecting you from the insurance company, kwim? Obviously they don't want to pay you anymore than they have too. The thing is, there probably won't be a settlement, it could go all the way to trial because the insurance company will refuse to pay more than policy limits.

So, you see there are all kinds of scenarios. If you just want to "be made whole," I'd try the scenario of getting the insurance company to cover medical and work loss.

FWIW, if you were sober and the circumstances were as you described, then you are not in the wrong for filing a claim against the homeowner's insurance. The homeowner is wrong in not covering the damages you incurred on his/their property through his/their neglect. Why anyone here thinks you should foot the bill, I don't get.

sues
"Surrounded by thugs."

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Posted: 9/13/2011 9:22:51 PM
Wait a second here.

She fell at a friend's house. She was hurt and needed medical attention. IF she had her own insurance, they'd be asking how the injury happened, so they could determine if someone else should pay. That 'someone else' is the homeowner's insurance company. Period. That's why you carry insurance, for pete's sake.

I can't believe so many people are saying 'Some friend you are!' How about the guy who promised he'd take care of the bills and then didn't? How's that for a friend?

Insurance companies are all about getting rid of you for the least $$ possible. They will try to intimidate you and make you believe you don't have rights that you most certainly DO have. When they start to dick you around and refuse to pay - they're putting you at risk and it's time to call a lawyer.

For anyone that says "I would never do that to a friend or family member" - think again. When my son was almost 2, he was mauled by my SIL's dog. Hundreds of stitches, a detached eyelid, punctures and tears...he almost lost an eye. My SIL called their insurance co. to report the incident. The following morning, an adjuster called my house to ask a hundred questions- and then ended by telling me they weren't likely to pay because they determined 'the child was at fault'. He said a shiny button on my son's overalls could have irritated the dog, that we couldn't prove he didn't hurt the dog, prompting the attack, etc. etc. etc.

Of course, our priority was our son... and he was many weeks healing. Meanwhile, the bills were coming in, and our insurance companies wanted to know who was going to pay them back. When an insurance company is flat out telling you 'We're not going to pay.' or 'Here's a $2000.00 settlement- that's all you're getting.' - and you have thousands and thousands in bills coming in- what are you going to do? Are you really going to 'work ten years to pay it off' yourself so you don't hurt anyone's tender feelings? Please!

When people or insurance companies back you into a corner...you have to take care of yourself. End of story.

cycworker
On dry runs Santa drives the Isuzu

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Posted: 9/13/2011 9:23:20 PM
I can't imagine doing that to a friend.


-Tania... but people who like me call me `Tang`


The secret of a good life is to have the right loyalties and hold them in the right scale of values.
Norman Thomas
US socialist politician (1884 - 1968)

Human and civil rights should NEVER be subject to the tyranny of the majority. Minorities gain legal equality only when those in power come to understand that their unearned privilege is wrong, and enforce change upon society. - ProfessorZed

scrapApea
StuckOnPeas

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Posted: 9/13/2011 9:31:16 PM
So did you know about the step upon entering the house and "forgot" upon leaving? How old is the "friend" that he lives at the parents house? Was there any light? Did he say watch your step? I think you & the insurance company will be going around with this one. I know a person I worked with had the same situation. Bye bye friendship. The "friend" sued him & his wife saying that he slipped on their wet sidewalk. It was raining. How does one prevent that?

TravelAgent
Resident Smart Ass

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Posted: 9/13/2011 9:36:28 PM

It was negligence on their part that the step is dangerous and the outside light was burned out and not replaced. I am not suing my "friend" for my financial gain. I have thousands of dollars of medical bills for the lab work for surgery, x-rays, surgeons fees, and prescriptions.


Well, what would it have been if you'd tripped over the door frame in your own home? Or failed to turn on a light on the way to the bathroom in the night? Who would pay the bills then?

I guess without a photo of the house, I don't see how negligence comes into play.

But you can excuse me if you want. I almost always fall into the "life happens" camp. That's why my husband and I went into debt from the medical bills when he broke a kneecap playing basketball and refused to sue the facility for his clumsiness. We saw it as our turn for some bad luck. Happens to everyone before they get out of this life.

Julie

sues
"Surrounded by thugs."

PeaNut 16,228
June 2001
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Loc: SW Chicago suburbs

Posted: 9/13/2011 9:39:09 PM

I can't imagine doing that to a friend.

You'd rather incur an astounding amount of debt rather than put in a claim to an insurance company- that the homeowners have paid, presumably for years- for this very reason?

Honestly- what do people pay insurance companies FOR, anyway?

PEAcan pie
Ancient Ancestor of Pea

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Posted: 9/13/2011 9:42:48 PM
Really?

you tripped and fell and expect someone else to pay for it?



scrapulous
Ancient Ancestor of Pea

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December 2003
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Posted: 9/13/2011 9:46:54 PM

I can't imagine doing that to a friend.

You're not doing it TO your friend. It's not hurting your friend any. They pay for the insurance, they know what it's for.

If you were in a friend's car and had an accident, would you not want money from the car insurance company for your injuries? What's the difference?

I agree - people are weird.


KrissiesMom
PeaAddict

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Posted: 9/14/2011 12:18:03 AM
It's bad enough to file a claim against a friend's homeowners insurance, but to hire a lawyer--really. That is not what friends do.
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