When you get hurt at someone else's house

[torinsmom]

Well, it sounds like unless they lie when the insurance company asks how the accident occurs, the health insurance will go after the homeowners' insurance. So, my sister still pays all the deductible and coinsurance, because she doesn't want to file a claim with the friend's homeowners' insurance, but the friend still has her insurance go up, because the health insurance will pursue a claim for themselves. That kinda sucks, if you ask me. I will remind my sister that they need to be vague in their answers, like someone said--he fell when he was using the treadmill in the bonus room. I don't think they will outright lie(especially in the presence of their kids) if asked directly if it happened in their home.

Just to reiterate, my sister never wanted to file a claim. They will just go on a payment plan for the hospital bill. She actually thought she had added them to her accidental injury policy, but when she looked at it, it is just for her The whole incident just got me thinking, you know?

 

[YodaGirl]

We've had one experience with an ER visit due to an accident on someone else's property. This was our experience:

Any time that we have a visit to the ER (has only happened once or twice), our insurance sends out a letter asking for more specific details. One of those details is if the accident occurred on someone else's property.

When DD was 2, she tripped on a rug at my parent's house. Her teeth dug deep into her lip, but thankfully they didn't go through her lip. The insurance company did contact my parent's home owner's insurance, but I don't remember what the outcome was.

ETA: I believe that not only did they ask specifically if it happened in someone's home, but they also asked for the insurance company name and policy number. There was no way around it.

 

[a1tinkfans]

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?

HO insurance has different parts...there is med pay to others (regardless of negligence) and then there is liability to cover the other instances...It is simple to do, you let the homeowner know that you would like them to let their carrier know. The carrier will request info from their policyholder and also investigate the circumstances (usually thru various contacts, interviews, pictures, etc).
Some feel is it bad/wrong to "make a claim" I however am of the mindset that it is WHY I pay that premium....take the risk away from you and place it with the carrier to handle....so, its ALWAYS vital to notify an incident to your carrier asap to avoid possible denial (for failure/delayed reporting) And remember that the coverage follows you....so if your kid breaks a window, if someone falls inside/outside, etc, if your dog has an incident, the list is long and varied..HO ins is NOT medical coverage however, there are limits, etc.... Many do not read their policy....the most important thing you can do is Just read the EXclusions, if it is NOT there, you're covered. Hope this helped a bit....


I just read thru the thread....some addl info
IF someone does not fill in the paperwork correctly by purposely NOT telling the facts, its INSURANCE fraud, plain and simple. This is not about etiquette its about insurance carriers being able to mitigate damages paid out. Your sis will get forms, she should not lie,... seriously!
As far as the future goes with your nephew....if they do not want to "sue" I get that, and agree to whatever she is okay with.......but the bills for surgery, pins, etc and follow ups can be years here with younger people, if a growth plate is involved, it can be very very involved and very costly. This is not a joke and not a simple scrape we're talking.
It is silly to "worry" about a possible increased premium, or loss of a policy which generally does Not happen. I can only say that some of the comments about whats "proper" are astounding to me....each and every person pays a premium exactly for this type of scenario, and its not an educated decision to lie or deny or be a martyr and get stuck with thousands of dollars of bills for an unfortunate accident. Those bills can be very expensive and then if its too late, its a terrible situation to be in...There will likely be rehab as well. I hope your nephew recovers fully and that your sis fills out the paperwork accurately and lets the carriers deal with the rest of it. An informed decision is the best one. Good Luck OP and best wishes to your nephew!

 

[RLccweems]

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?

I just suck it up....boys play rough and it's a hard lesson learned for both my child and myself. Something like this happened to us as well but it was at a friend's church. I just told my son...no more use your head!

 

[aprilgail2]

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

Your not kidding- this thread sure doesn't make me want to have anyone over!! If someone put in a claim against my insurance company oer something stupid their kid did at my house that would bethe last time their kid was over my house and the lasat time I spoke to those people!

 

[golfgal]

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

OK, over reaction but in the OP's case, it wasn't the visitor that did something stupid, it was the daughter of the homeowner.

Well, it sounds like unless they lie when the insurance company asks how the accident occurs, the health insurance will go after the homeowners' insurance. So, my sister still pays all the deductible and coinsurance, because she doesn't want to file a claim with the friend's homeowners' insurance, but the friend still has her insurance go up, because the health insurance will pursue a claim for themselves. That kinda sucks, if you ask me. I will remind my sister that they need to be vague in their answers, like someone said--he fell when he was using the treadmill in the bonus room. I don't think they will outright lie(especially in the presence of their kids) if asked directly if it happened in their home.

Just to reiterate, my sister never wanted to file a claim. They will just go on a payment plan for the hospital bill. She actually thought she had added them to her accidental injury policy, but when she looked at it, it is just for her The whole incident just got me thinking, you know?

Honestly, why should she have to pay anything out of pocket for this. The DD was stupid. I can't believe that the homeowners didn't offer to pay at least. Their rates will not go up all THAT much-way less then what your sister will end up paying in co-pays etc.

 

[Wall-E1]

My son broke his knee at a friend's house. He did it at the kid's birthday party while playing on a trampoline. We went to the emergency room, used our personal health insurance plan and had it taken care of. My health insurance company did not(and has never in any situation) asked for more info about the incident. They simply payed their responsibility.

Maybe I could have gone through their homeowners, but since it was an accident, I felt that taking care of it myself was the proper thing to do.

 

[MUFFYCAT]

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

That's for sure! I'm lost for words, I wouldn't dream of going to the owner for any claim. Kids will be kids and will get hurt anywhere.

The homeowner should sue and say the teen was on the treadmill without her permission and thought he was was stealing it.
Stupid- yes just as stupid as going to the parents for any claim.

 

[tlbwriter]

Your not kidding- this thread sure doesn't make me want to have anyone over!! If someone put in a claim against my insurance company oer something stupid their kid did at my house that would bethe last time their kid was over my house and the lasat time I spoke to those people!

What if YOUR kid was the one who did something stupid that resulted in their child being hurt and having lots of medical expenses? Like, for example, in the OP's case? Would you still cut them off?

What if the injured kid's insurer was the one who charged a claim to your insurance, and the kid and his parents had nothing to do with it? Would you still cut them off?

 

[torinsmom]

Your not kidding- this thread sure doesn't make me want to have anyone over!! If someone put in a claim against my insurance company oer something stupid their kid did at my house that would bethe last time their kid was over my house and the lasat time I spoke to those people!

All the kids were doing something stupid, and the parents all knew they were on the treadmill and didn't make them get off it. As I said before, my sister does not plan on asking the friend to file a claim, but the health insurance may do so if they find out the truth. So would you never speak to a friend if the insurance did that? I don't think that will be my sister's fault and they wouldn't even benefit if that's how the claim happens.

OK, over reaction but in the OP's case, it wasn't the visitor that did something stupid, it was the daughter of the homeowner.

Honestly, why should she have to pay anything out of pocket for this. The DD was stupid. I can't believe that the homeowners didn't offer to pay at least. Their rates will not go up all THAT much-way less then what your sister will end up paying in co-pays etc.

She was the one who turned up the treadmill, but the other child(homeowner's other child) knocked over the fan, and my nephew was on the treadmill when he probably should have known better. I am sure my other nephew and the homeowner's kids had been on there too, so there were all being irresponsible IMHO(I don't know about stupid)

Again, my sister has no plans to file a claim. She is just upset at another expense, as it has been a really bad year for them financially. She said she wonders what she did to p*ss God off

That's for sure! I'm lost for words, I wouldn't dream of going to the owner for any claim. Kids will be kids and will get hurt anywhere.

The homeowner should sue and say the teen was on the treadmill without her permission and thought he was was stealing it.
Stupid- yes just as stupid as going to the parents for any claim.

All the adults knew the kids were on the treadmill.

I have said over and over that she has no plans to file a claim over this. This was a hypothetical question brought on by real life event. It's really not necessary to call my sister stupid. She doesn't even know I asked this question.

And for the record, if someone got hurt on my property to the point that they needed surgery, I would be calling my insurance agent to ask his advice. If the insurance was only going to go up $100 or less per year, I would definitely offer to file a claim to help the person with their uncovered expenses.

 

[mjkacmom]

It's usually not the parents that sue, but their insurance company. I have a friend who accidently blinded another child with a bb gun, and the parents of the child assured them that they understood it was an accident, and would not sue. However, their insurance company sued my friend's insurance company for the money.

I have another friend who's dd is in a cast due to an accident on another friend's trampoline. She would never sue her friend, but who is to say that her insurance company doesn't want to sue her friend's insurance company. Someone has to pay.

 

[Butwhyistherumgone?]

We are in the same boat here
DD was at a friends house and had a scooter wreck ( just a foot powdered on, not motorized)
Broke her arm and had to have surgery to fix it correctly.
We have insurance and will still be out lots of money but never considered filing a claim against the homeowners insurance. It was an accident and no fault of anyone.

 

[goofy!]

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

I know your sister is not planning to go after the homeowners.

As for what I would do, unless I knew 100% that my child was the total angel and was not horsing around before, during or after the accident, I am not going to cause somebody else's insurance to go up due to my kid's lack of common sense. Just because I am short of money would not justify raising somebody else's rates and possibly cause them financial hardship too. And regardless of what others have said here, I have seen people's rates go up significantly or completely dropped when a single claim is made.

My kid, my responsibility, regardless of where they decided to have an accident.

Now, if there was gross negligence on the other homeowner that caused my child to become hurt without any doing on his part, that would be a different story. But I don't consider boys goofing off on a treadmill gross negligence. Stupid teen boys - yes. Negligence - not so much.

However, if my insurance decided to go after their homeowners, I would not be able to stop them. However, I would (and have) argued with our insurance that it was my kid's fault and not the fault of the homeowner.

 

[Anna_Marie]

When DS fell out of our tree and broke his arm, I got a call from our insurance company asking if it happened at home, or somewhere else. I am sure if I had said a neighbors house, etc. that the insurance company would have gone after their insurance company.

Same as when DD broke her arm at school, the insurance company called and asked where it happened.

 

[JaneBanks]

My brother was jumping on a neighbors trampoline, broke an ankle and almost died. No joke. He was in the hospital for weeks after the surgery from a really bad infection. He even had to have IV antibiotics at home.


The neighbors didn't pay a thing, but my mother is just not the type to ask for money.

 

[goofy!]

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.

The patient will always know as they will see the bills and the balance they owe. It doesn't take rocket science to figure out that if your balance owed is way less than what the hospital billed minus what your insurance covered, that the other homeowners insurance kicked in.

Upon recommendation of a dear friend, who happens to be a prominent insurance lawyer, we carry a $2 million liability umbrella policy to cover such accidents in our home or car. While I would never ask somebody else to cover my kid's stupidity, there are plenty of insurance companies representing people that would. The policy is less than $200 a year and gives us peace of mind that we could handle anything that happens in our house or property.

 

[tlbwriter]

The patient will always know as they will see the bills and the balance they owe. It doesn't take rocket science to figure out that if your balance owed is way less than what the hospital billed minus what your insurance covered, that the other homeowners insurance kicked in.

I don't think it works that way. The amount you owe won't be affected at all. Your insurance will simply get back what they paid from the homeowner's insurance. They're not going to sue to reduce your copay.

Upon recommendation of a dear friend, who happens to be a prominent insurance lawyer, we carry a $2 million liability umbrella policy to cover such accidents in our home or car. While I would never ask somebody else to cover my kid's stupidity, there are plenty of insurance companies representing people that would. The policy is less than $200 a year and gives us peace of mind that we could handle anything that happens in our house or property.

We have this as well. It ended up saving us money, because we were able to lower the liability coverage on our cars.

 

[goofy!]

I don't think it works that way. The amount you owe won't be affected at all. Your insurance will simply get back what they paid from the homeowner's insurance. They're not going to sue to reduce your copay.



We have this as well. It ended up saving us money, because we were able to lower the liability coverage on our cars.

My daughter has had over a million dollars of hospital bills (congenital, not due to an accident) and we have always gotten a full disclosure of what was billed, what was paid and what was the remaining balance.

At one time, we caught an over-payment of $40,000 to the hospital due to two insurance companies paying the full bill rather than each their share.

Same with having two boys in sports and just being daredevils. We have always had a full bill sent to us by both the hospital and our insurance that details what was billed and who paid what.

I would be floored if somebody did not realize that another insurance company was paying their hospital bills.

 

[tlbwriter]

My daughter has had over a million dollars of hospital bills (congenital, not due to an accident) and we have always gotten a full disclosure of what was billed, what was paid and what was the remaining balance.

Yes, I get this too, but if HealthInsurance pays the bill and then sues HomeInsurance for that money, it's never going to be disclosed on your statement.

 

[allison443]

My daughter has had over a million dollars of hospital bills (congenital, not due to an accident) and we have always gotten a full disclosure of what was billed, what was paid and what was the remaining balance.

At one time, we caught an over-payment of $40,000 to the hospital due to two insurance companies paying the full bill rather than each their share.

Same with having two boys in sports and just being daredevils. We have always had a full bill sent to us by both the hospital and our insurance that details what was billed and who paid what.

I would be floored if somebody did not realize that another insurance company was paying their hospital bills.

No, the injured person's insurance company would pay the hospital. Then after that, they turn around and get reimbursed from the other insurance company. The hospital has already been paid and isn't involved anymore. The two insurance companies handle that procedure between themselves. The second insurance company doesn't get involved with paying the hospital directly.