(Closed) If you fell and hurt yourself at someone else's house…

posted 5 years ago in Legal
Post # 3
Member
1798 posts
Buzzing bee
  • Wedding: August 2011

@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
Member
3830 posts
Honey bee
  • Wedding: November 1999

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
Member
1938 posts
Buzzing bee
  • Wedding: July 2012

I wouldn’t even think of that…. they are friends and accidents happen like that. Insurance can be overdone. 

Post # 6
Member
2401 posts
Buzzing bee
  • Wedding: October 2012

@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
Member
582 posts
Busy bee
  • Wedding: October 2012

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
Member
309 posts
Helper bee
  • Wedding: April 2011

How much were your medical costs?  Is that amount worth losing a friendship over?

Post # 10
Member
9209 posts
Buzzing Beekeeper
  • 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 # 12
Member
9209 posts
Buzzing Beekeeper
  • 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
Member
4284 posts
Honey bee
  • Wedding: June 2012

@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
Member
2106 posts
Buzzing bee
  • Wedding: September 2012

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
Member
923 posts
Busy bee
  • Wedding: January 2013

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
Member
1685 posts
Bumble bee
  • Wedding: May 2014

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. 

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