Homeowners Liability?
Hello - A couple of months ago my neighbor came running to our house screaming that her house be on fire and that her dog be inside (it wasn't). My husband ran across the street beside our fire extinguisher and sprayed the flames but had to run out because of the smoke. He go back within again and managed to put the fire out in the past the Fire Dept. arrived. Over the next several days his lungs be so irritated that he remained in bed. On sunshine seven I drove him to the emergency room where he spent 16 hours to find via X-ray that he have a lung irritation but no damage: Which cause him to remain in bed for 2+ weeks. The look in cost over $500 dollars which our Insurance company Aetna refused to retribution referring to the balanced budget achievement of 1997 defining an emergency. So we contacted my neighbors insurance company. Two months later, still no contact. We call her insurance company again (Allstate) and they said that they would look into it. Do we have a claim?
Answers:
I'm a bit confused on Aetna's denial. The balanced budget deed of 1997 was to set off the federal budget by 2002. What does that have to do next to Aetna's liability?
There were through medicare and medicaid reforms within the balanced budget perform. But I still can't figure out why Aetna would deny the claim.
I would telephone call them back and acquire a better explanation of their denial.
I don't know that you would have a liability claim near Allstate but it should be covered under her Med Pay on her Homeowners. I would also call for Allstate and ask them to pay the bill lower than their Med Pay.
When in doubt give or take a few who's insurance covers what... contact your state's insurance commission... they will help you beside your claim !
Technically, YOU can't put surrounded by a claim on THEIR homeowners policy. Only they can. What you CAN do, is file suit within small claims court, which will then probably cheer up them to pass the papers along to their homeowners carter.
They do have a "no fault" coverage on their homeowners policy call "medical payments". Usually it's somewhere between $500 and $3,000 (although the $500 is much more common than the $3k), which would pay packet your medical bills. It will NOT pay any strain and suffering or lost wages, or anything EXCEPT medical bills. I would expect that it WOULD cover this situation.
If you are trying to sue them for pain & suffering, or lost wages, I do NOT surmise you'd have a grip - they were not sloppy - your hubby ran into a burning house. Sure, he be trying to be nice. I think that's the final time you do that for THAT neighbor, if she won't even put in medical payments for you.
One end comment - Allstate has NO duty towards you. You are not their client. There is NO good religious conviction obligation for them to investigate or settle a claim near you.
OH, and I'd DEFINATELY appeal the Aetna denial. I'm not familiar beside that act - but MOST unpremeditated injuries consist of some type of emergency or other.
First of all , your husband is a hero of sorts, and should receive recognition for trying to gather a dog or a dwelling.
The insurance company of the burning house should recognize that your husband fixed their loss by intervening, and they should voluntarily contribute to his medical bills as a goodwill gesture, even though they are not lawfully obligated.
You don't say if your insurance company Aetna is house insurance or medical insurance.
If you have medical coverage, that should pay the medical bills for any idea.