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The deductible does not apply to a liability claim.
You don’t have to have a lawsuit to file a claim.
I swear I wish insurance and finances were part of remedial education in this country.
This! When our neighbor brought his snowblower over to clear our driveway( as a favor) and got his hand chewed up while trying to clear a clog, I never thought it was his tough luck, I took him to the hospital and alerted the insurance company myself. He didn't claim negligence, he just wanted his bills paid, and I figure that's exactly why I had insurance.
This is just a troll thread. Nothing more. Typical, someone starts a thread saying ridiculous things kicks up a bunch of dust and then disappears.
Yeah, I guessing you're right. Sad, really.
@Maddie104
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Covering damages to property without injury vs. a broken arm are completely different situations.
As I said:
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The ceiling actually collapsed on the lower floor tenant.
Literally, the ceiling actually collapsed on the lower floor tenant. The woman wore a neck brace for months. She need months of physical therapy.
And, yes. With one telephone call, the guilty party's insurance covered this. She didn't need to go to court or hire a lawyer. The insurance company did it all.
Thanks for your concern. Considering no once can cover the cost of pain and suffering from an injury that was caused by a homeowner. How do you suggest someone be compensated by injury they didn't cause.? Would you be cool with me smacking you in the leg causing you to be bed ridden for weeks and affected for life? I'll just say, my bad? We are friends, is it cool? I'll be your friend. Set this up and I'll make it happen.
If you “ smack” someone - you go to jail- it is criminal.
When the mother broke her leg- it is most likely an accident.
Huge difference.
However, You sound like someone involved in this situation by the way you describe it- the sound of leg breaking...
Are you a “ roommate” for the mother with the broken leg?
Maybe you are trying to commit an insurance fraud and YOU made that hole and led that lady towards that hole and it caused that accident?and now trying to get money out of i her daughter’s homeowners insurance
You see? It could that way..
I think it is the fault of person who led that lady over the uneven surface and tripped her
Unless you are suggesting the family pay the mother's pain and suffering out of their own pocket, this makes zero sense. A policy holder has no say over whether or not their insurance company pays a claim or when they pay it. I'm not saying an insurance company would automatically deny the claim, but intrafamily claims do often face extra scrutiny because they are a high risk for fraud.
I didn't think anyone would misunderstand my words, that "If insurance didn't pay up, I would do so myself." Yes, I am suggesting that the mother's pain and suffering must be compensated, even if it means that it will be paid out of pocket. That's what I would do, and that is the right thing to do.
I didn't think anyone would misunderstand my words, that "If insurance didn't pay up, I would do so myself." Yes, I am suggesting that the mother's pain and suffering must be compensated, even if it means that it will be paid out of pocket. That's what I would do, and that is the right thing to do.
Yes, well, most people don't have spare tens of thousands of dollars to pay for a pain and suffering claim. That's why they carry insurance in the first place. And it's your OPINION that it's "the right thing to do" - that's not a factual statement because many people think it's wrong to take money for an accidental event in the first place even if harm results.
Not to mention that at least in my family, my mother would never accept that kind of money from me anyway. Even if I were at fault for an injury she suffered, she might be persuaded to file a claim involving an insurance company - and even then, she'd hesitate knowing I could lose my insurance, face high premiums, etc. But the idea of taking 50K or 100K of money from me directly? Never going to happen.
This! When our neighbor brought his snowblower over to clear our driveway( as a favor) and got his hand chewed up while trying to clear a clog, I never thought it was his tough luck, I took him to the hospital and alerted the insurance company myself. He didn't claim negligence, he just wanted his bills paid, and I figure that's exactly why I had insurance.
You are a wet dream for insurance. Go ahead and pay for another's ignorance in putting their hand in a operating shredder. Seriously this guys injury falls under inept ability to access before taking safety measures. Clearly you don't understand due diligence. Even if if was on your property.
No court would find you liable unless you had a gun to his head and was forcing his hand into the running aparatus. Which is criminal law ...
The positive though is you rendered aide and made a human effort to seek medical.
I didn't get to read all of the responses. But I worked in the insurance industry for several years. While it may seem convenient for an injured person on your property to go through their health insurance, but guess what? Our opinions don't matter. The health insurance provider will have gotten word that this accident happened on someone's property. They will look to subjugate the claim. Wait, you don't know what that means? Ok, they will sue your property insurance company.
You are a wet dream for insurance. Go ahead and pay for another's ignorance in putting their hand in a operating shredder. Seriously this guys injury falls under inept ability to access before taking safety measures. Clearly you don't understand due diligence. Even if if was on your property.
No court would find you liable unless you had a gun to his head and was forcing his hand into the running aparatus. Which is criminal law ...
The positive though is you rendered aide and made a human effort to seek medical.
Homeowners policies often have Medical Payments coverage, which is a no fault coverage solely for medical bills based on the fact that an injury occurred on the insured premises. No liability determination is involved.
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