Post # 1
So I was at a party on 11/30. There were kids toys everywhere. In fact I tripped over some toys and fell on wooden trains or something. It was so very painful that everyone, even me, was sure I broke my ribs. I went to the ER as soon as they were able to roll me over.
My Husband and I just decided we’d go through our own medical insurance to pay for everything. However, I just got a long questionaire in the mail about the accident. They are wanting to know if someone else should be reponsible for it, did it happen at work, in a car, etc, if I’m going to file a claim, who’s my lawyer…
They said I should see if the homeowner’s have “no-fault premise medical” which is usually coverage of $1,000-5,000. Now if they did, and it would some how not affect their premiums at all (no negative affect), that would be nice to do that of course.
However, if it will affect them negatively, or they don’t have this – then I don’t want to file a cliam with their homeowner’s insurance at all. They are our friends – I want to keep it that way!
So WWYD? Ask them if they have this “no-fault premise medical” and ask them if it will affect them negatively? Is there even a nice way of asking this?
I am just trying to determine who is responsible so I can answer this medical questionaire.
Post # 3
@sienna76: I’m pretty sure anytime you use insurance, it affects the premium. Since these are friends, I wouldn’t even ask about their insurance. Accidents happen and I wouldn’t want them to think you’re blaming them.
Post # 4
I’m glad i live in a country with free medical coverage. Thats all i can say.
I would never think to throw them under the bus on something like this. It was an accident.
Post # 5
I wouldn’t even think of that…. they are friends and accidents happen like that. Insurance can be overdone.
Post # 6
@sienna76: I wouldn’t ask nor would I file a claim into their homeowner’s insurance. I don’t think there is a nice way to ask because it might raise their homeowner’s insurance if the claim is filed. Sorry I don’t have alot of advice. If the ER didn’t cost a whole hell of a lot then don’t bother.
Post # 7
If you or they file a claim for medical on their insurnace- the premium will go up.
Through homeowner’s insurance, they have family liability/ medical payments, but I wouldn’t bring it up unless your insurance doesn’t cover your expenses.
Liability is usually around 300,000 per occurence/ $100,000 per person, and the medical payments range from $1,000 to $100,000.
Post # 9
How much were your medical costs? Is that amount worth losing a friendship over?
Post # 10
- Wedding: August 2013 - Rocky Mountains USA
I’m not sure, but I just want to say that I don’t think people here should be so harsh about it. A trip to the ER can cost many thousands of dollars, and if you have a high deductible you can get stuck with the entire bill. I think it’s totally reasonable to consider all possible ways for this to be paid for by somebody’s insurance.
But it’s true that it would probably affect their premiums :/
Post # 11
I just thought this “no-fault premise medical” was something different and it not like filing a regular claim just in the $1000-5000 range and sounded like it wasn’t damanging either way. That’s what I do not know.
I am not looking to throw them under the bus and I am very offended that you took my post that way. I thought I typed the post as such so that this would construed that way.
I have to check a box on this form that says, “this accident can not be covered by any other insurance.” And I did not want to be committing any fraud by saying no because frankly I don’t know how this “no-fault” stuff works.
Post # 12
- Wedding: August 2013 - Rocky Mountains USA
@sienna76: I agree, people are jumping on you excessively and shittily.
Do you own a house? If so, you could ask your insurance agent about the situation in a hypothetical manner.
Post # 13
@sienna76: I am pretty sure you don’t want to hold them responsible correct? You clearly said you wanted to remain friends and not throw them under the bus. You are looking for advise on how to fill the form out…. Unfortunately I don’t have the answer for you, I just wanted to jump in and clarify your original post. 🙂
ETA: I was too slow! You typed your response before I posted mine 🙂
Post # 14
The questionnaire sounds like an ambulance chaser. You tripped on some toys. You were at someone’s house and they have no obligation to clean up their toys. If you tripped on toys at a store that were left in a walkway, yes, file a claim. I don’t think you’d get a cent. The kind of thing that you can claim on homeowner’s insurance and actually get money would be like if the homeowner hadn’t fixed the railing of their deck and you fell off.
Post # 15
The OP said that this questionaire is coming from her insurance company. That means that she is (I assume) only paying for her ER deductable. I would try to find out whether her health insurance would cover the bill if she “forgot” to send the questionaire back in. Her insurance is trying to pawn the cost off onto the friend’s insurance which is kind of lame in my opinion. I would either forget to send the questionaire back in or send it back in with vague answers like “I don’t know what happened, it happened so fast.”
Post # 16
I was hurt at a friend’s house and had to go to the emergency room (their 1 yr old puppy grabbed and ripped out my hoop earning, so just stitches).
I didn’t pursue anything from them. They are friends and I figured this was a good learning experience experience for me–take out your earnings around puppies and children.
They brought over dinner a few time as an “I’m sorry” present. I told them there was no reason to feel bad. Mistakes happen.