When you get hurt at someone else's house

[kellydizfan]

If they have home insurance, their medical payments will pay for the medical bills. Then if they are sued, then their liability will come into play.

 

[aprilgail2]

Personally, if it were my child at a friends house, I would chalk it up to 'accidents happen' and I would pay the insurance deductible of copayment and get on with my life. I wouldn't file claims with the family's homeowners insurance (that would probably cost them many times the $$$ in the long run when their insurance drops them as a result).

.

I agree

Sometimes once the insurance company sees the injury report, and where and how the injury occured, they will contact the homeowner's insurance for compensation where the injury took place if you are willing to provide that information when requested. The injured party doesn't have to do the suing, the insurance company will take care of getting the bills covered from the homeowner's insurance where the injury occured.

Nowadays, insurance companies will ask a lot of questions to determine who to contact for payment. DD fell at a friend's house and broke her arm a few years ago. Our health insurance company asked a lot of questions- where was DD when the accident happened? Were there any other people involved in the accident? What were the details of the accident (i e, was there anything that caused the fall that could be considered negligence on the part of the neighbors)? My impression was that my insurance company was investigating for anything they could to use as means to try to collect from the neighbors instead of paying the full claim themselves.

They may not have a choice when the insurance company gets involved. My daughter sprained her ankle at our church and about a week after our ER visit, we got a call from the insurance company asking all sorts of questions about why it happened and what exactly happened. The lady said that if they determined that the church was at fault, they would 'deal with' the Church's insurance company. I was somewhat horrified because we didn't blame the church at all.
.

My daughter hurt herself at a girl scout function at a school-she did something stupid (jumped off the bleachers)-- when I took her in and they asked me what happened I just said she jumpd off the couch at home. No way was I getting anyplace involved in something stupid that she did. If it was the fault of the school or something then I would have but not if its my own kids fault doing something stupid.

 

[ilovemk76]

If I was the homeowner I would expect their insurance to pay their normal share but I would offer to pay half or more of the out of packet expenses. Accidents happen and that is what insurance is for but, in this case, my child contributed and it happened in my house.

Now if they start asking about where this injury occurred, the health insurance will most likely sue my homeowners insurance for their share back.

 

[miralys]

If I were injured at another person's house, I would chalk it up as an accident. If I had trouble paying the OOP expenses, I would set up a payment plan with the doctor/hospital (I have been there and done that).

If my child contributed to an accident, I would work with the injured party and their family to come to an agreement everyone can live with. Then I would have that signed, witnessed and followed through on.

The only time I would ever consider taking action against their homeowner's insurance is if the injury was intentional. (in which case police reports would be filed.)

 

[dngnb8]

My 15 yo nephew broke his hand at a friend's house Friday. Evidently he was on the treadmill, and the child who lives there(17 yo) turned up the speed and he fell. He went and got an x-ray and they put a cast on. Well, today they went back to the doctor and found out he needs to have surgery to get pins in his hand because it is not healing properly. The friend only knows that he went and got a cast; she doesn't know things have progressed to where it is going to be an expensive accident, even with health insurance. So my question is, if you get hurt at someone's house, do you just suck it up or what? Would home owner's insurance help at all?

If you have health insurance, it will subrogate *sp* the homeowners plan of the friends house.

 

[HM]

My DD broke her arm falling off a slide a friend's house that necessitated surgery and an overnight stay in the hospital (since surgery was at 2am). It never would have occured to me to ask the friend to pay anything. It wasn't their fault.

 

[tlbwriter]

A lot of people seem to assume that the homeowner's insurance will only get involved if you make a request or even sue them, but that's not the case. It can be completely out of your hands.

 

[dngnb8]

It can be completely out of your hands.

The only way they can exclude the Homeowners plan it to pay all med bills in cash.

If they submit to insurance, it is out of their hands.

 

[Wishing on a star]

Stoopid teenager/pet tricks.....

Could happen anywhere....

If you do file on Homeowners, there is a good chance that they could get hit with a higher premium.

If the info that your health insurance receives indicates an accident or negligence at another insured property, then they can subrogate.
But, they would have to know where and how it happened, and be able to know the homeowners insurance company.

Proceed with caution.

 

[PUZZLDY5]

My son has been stitched from head to toe for one reason or another. Most of his injuries being at a friends house doing something stupid that they knew better. Anyway, I personaly have never asked for any compensation from the other families insurance company or from them. Stuff happens. Most of the time it happens to teenage boys.

 

[dngnb8]

Stoopid teenager/pet tricks.....

Could happen anywhere....

If you do file on Homeowners, there is a good chance that they could get hit with a higher premium.

If the info that your health insurance receives indicates an accident or negligence at another insured property, then they can subrogate.
But, they would have to know where and how it happened, and be able to know the homeowners insurance company.

Proceed with caution.

Young child, broken wrist. Theyre gonna ask.

Note to OP, if youre asked (standard form sent from your carrier) and you dont give the correct info, you could be held liable under fraud

End of the story is, it just isnt worth it.

 

[msjprincess]

Young child, broken wrist. Theyre gonna ask.

Note to OP, if youre asked (standard form sent from your carrier) and you dont give the correct info, you could be held liable under fraud

End of the story is, it just isnt worth it.

17 is a young child?

 

[golfgal]

She would definitely not be interested in suing. I'm just wondering if the homeowner could make a claim. If there was a claim due to an accident, would her rates go up? My poor sister just had to replace her well pump for $4200 and her DH has been out of work for over a year. I don't know how she's going to pay for what the insurance doesn't pay.

Obviously, the kids should not have been on the treadmill

The answer is yes, the homeowner's insurance will pay and yes, their rates could go up. If she doesn't have the money to pay, she should file a claim against the friend. Insurance polices typically have a small "medical pay" portion to cover small expenses like these--our's is $5000 but that number varies. The hospital intake person will ask a lot of questions and they will most likely get a form in the mail from their insurance company asking if this was due to an accident or happened at work. The insurance companies will then duke it out to see who pays what. It won't be up to your sister at all really. When those forms come she should notify the family and just tell them they will probably be getting a call from the insurance company.

This is why you carry high liability on your homeowners--most people don't realize this process.

 

[golfgal]

My son has been stitched from head to toe for one reason or another. Most of his injuries being at a friends house doing something stupid that they knew better. Anyway, I personaly have never asked for any compensation from the other families insurance company or from them. Stuff happens. Most of the time it happens to teenage boys.

YOU may not have asked but your insurance company most likely sought reimbursement from their homeowners--especially if any of them were "expensive". Now, if they were a couple thousand dollars, it isn't worth the time an effort to subrogate, but if you are into the 10,000+ range for surgeries, etc., they will do this--behind the scenes and you many never know it happened.

 

[coinkc]

A few years ago my daughter fell off a scooter at her friend's house and broke both arms. Her friend's dad turned it into their homewowner's insurance and they paid all the deductibles for the medical bills.

I told him he didn't need to do it as it was an accident but he insisted. It ended up only costing him about $10 in his homeowner's rates and saved me several hundred dollars.

 

[dngnb8]

17 is a young child?

Let me rephrase that, Minor.

Chances are, a broken wrist of someone 17 is due to an accident, and any Health Insurance Plan worth its salt has a subrogation division.

My wife (51) broke her wrist when our dog bolted and dragged her down an embankment. She has a collies fracture of her wrist. We got the letter.

In our case, there was no subrogation to be considered.

Its SOP and misrepresentation of information is considered fraud

 

[torinsmom]

17 is a young child?

Actually, my nephew is 15. The girl who turned the treadmill up was 17. Either one would be considered a child to me, as they are not adults and responsible for their own finances.

 

[daisax]

I've gotten the letter, too, after getting physical therapy for my rotator cuff. There was no accident or specific injury, just wear and tear.

If your kid jumps off Grandma's couch, and you go to the emergency room and say she jumped off the couch, you don't have to volunteer that it was Grandma's couch. If the insurance company calls and specifically asks where it happened, you could say "the living room." Obviously your conscience has to be your guide. But use your brains, too, because if an ambulance call was involved, or you live out of state and the ER you go to is in Grandma's town, duh!

When I was a kid and we played all over the neighborhood, we'd limp home with an injury and nobody's insurance company went looking to collect from somebody else unless you fell through a roof or something.

Now you get old and need some PT and they're salivating at the chance of getting another company to pay for it.

 

[DizBelle]

Note to self: NEVER invite anyone into my home because I could be sent to the poorhouse if they do something stupid.

 

[tink_n_pooh]

Personally, if it were my child at a friends house, I would chalk it up to 'accidents happen' and I would pay the insurance deductible of copayment and get on with my life. I wouldn't file claims with the family's homeowners insurance (that would probably cost them many times the $$$ in the long run when their insurance drops them as a result).

If something happened to my child's friend at my house, I would be mortified. I would call the parents to apologize and I would personally pay their copay or deductible and hope that they would be satisfied with that and not file a claim with my insurance.

Now if it were a MAJOR MAJOR injury (like a child becoming paralyzed in a swimming pool accident) then yes, I would deal with the homeowners insurance regardless of which side I was on, but for something like the OP describes, a non-major thing...no, I wouldn't involve the homeowners insurance.

Just my personal opinon. Discuss among yourselves...

Exactly how I feel as well