Can I record homeowners insurance claim?
During a get together on Superbowl Sunday within my home, one of my friends fell and landed on another friend, and broke her foot. The injured friend is an ICU nurse and have been out of work ever since. She is have a hard time paying her bills on her payments from State Disability. She is very soon requesting that my husband and I file a claim on our homeowners insurance. I'm looking for guidance on this issue. I own no problem filing the claim, but I'm not sure what arrangements are taken against us as a result. I want to be there for my friend, but I do discern that this was not within any shape or form our fault. The party who fell (actually jumped) on her also owns a home, would their insurance company be able to cover any of this? I'm thinking that because it be on our property, that we are responsible. Any insight is appreciated.
I'd contact a attorney...it sounds like your 'friend' requirements money for nothing...YOU did nought wrong and are not at fault..the idiot who jump her needs to discharge her bills, NOT YOU. Yes - your house insurance covers accidents that take place on your property - the cause is usually not relevant.
Contact your insurance agent.
You may want to consult an attorney. I would think the character who fell or jumped on her would be liable for the expenses. If she have fallen down your steps, next you might have be liable. It is not your responsibility to file a claim on her behalf although you may want to notify your insurance company of the incident. If your friend feel that you are in any instrument liable for her injury then she have the right to file a claim against your insurance or sue you (the latter anyone more likely). Once the lawsuit is filed, next the insurance company would get involved and it would be up to their lawyer and your friends lawyers to work out a settlement. It is unlikely that such a lawsuit would ever run to court as the insurance company would view paying out a relatively small amount cheaper than litigating.
Answers: Lot of real doomed to failure answers and some good ones. As a claim adjuster please permit me throw this out info for you.
Your homeowners policy should have $1000 of Medical Payments coverage that will apply to the injured deputation regardless of negligence. As long as the injury happened surrounded by your house the Medical Payments coverage will apply.
However, your liability coverage will not help the injured individual. In order for the liability coverage to see in you MUST be slipshod in cause the injury.
The person who jump on the injured person is the remiss party and they call for to report this to their homeowners company to see if their policy will apply their liability coverage
Neither you or your insurance company would be found negligent for this injury a short time ago because it happened within your house.
Good Luck
Call your insurance agent or company and report adjectives details of this incident immediately. Your agent can totter you through what you need to do or not necessitate to do. Don't worry, that's why you enjoy the insurance, so go phone up your agent. Well, sure you can. Your "medical payments" section, the no idiosyncrasy section, would take-home pay her medical bills, up to the policy limit - probably $500.
YOUR policy isn't going to payment any pain and suffering, or lost wages, as YOU WEREN'T NEGLIGENT. The human being who WAS negligent, is the other gathering. HOWEVER, assuming they are over 13, this is a deliberate feat! Which would be excluded from coverage under THEIR homeowners policy.
The broken foot human being is going to have to sue you and the creature that broke her foot. She's not going to get anything from you. You are not automatically careless, just because it happen at your house. She'll probably get a JUDGEMENT against the personage who broke her foot, but I'd give pretty righteous odds that the homeowners policy won't wage, as this wasn't ACCIDENTAL. It's assault.
Also, if she does collect, the state disability is entitled to reimbursement of lost wages paid. And her condition insurance carrier will be entitled to medical payments salaried to her, from the at fault participant.
Print this out and give it to her. Your medical payments passage isn't going to give her what she wishes - it's only going to recompense $500 to the hospital. Or whatever the slice E limit is (could be $250, could be NONE.)
An accident that come about on your property would be filed below your insurance. The result would depend on what the injured party is looking for. Does she want lately her bills paid or is she looking for a settlement? If she purely wants her bills compensated, then your insurance compmany give her a claim number to write on her bills and submitt them for reimbursment. Really not much too that. If she wants a settlement, later that becomes more of a sticky situation. If you enjoy more questions, beckon your insurance provider, then can waddle you through the process.
Because the incident happen in your home, you should be capable of put in a claim. As for the being that fell on the nurse, the nurse should take him/her to court to oblige pay some of the bills. There is throbbing and suffering, loss of work, some other things. File your stuff first, and call an injury attorney to come and see the nurse. Good luck It be on your property, so you are responsible. Filing a claim will probably make your rates travel up and depending on the amount, could even make it difficult for you to renew your policy! If you enjoy filed other claims just now, even for small amounts, then I would really recommend avoiding file this claim if you can. If her bills aren't much higher than your deductible, next you may want to just consider paying minus filing a claim. I would also read your policy first to find out exactly what is covered - I don't know if they would compensate her for lost time working, so you might not even be capable of get much out of them...they might merely cover her medical bills. Good luck!
Call your insurance agent without hesitation and report this. You should have reported this when it happen. Reporting claims late is never a correct thing. Don't gross it even later. Your homeowners policy have two parts that would apply here. Medical Payments and Liability. Medical Payments will pay for medical costs incurred by others while on your property whether at hand is fault or not. This coverage have a lower limit between $500 and $5,000. It is lower as slate or negligence does not have to be proven. There be obviously no scorn by you in this armour. This coverage only pays for medical payments, not lost wages.
Then at hand is your Liability coverage. This protects you from liability when you are at fault. This boundary is usually between $100,000 and $1,000,000. For this to kick contained by, your friend needs to sue you.
Now your neighbor who in fact caused this incident also would own liability coverage and appears to be the person most possible to have to foot. Tell your "friend" to report this incident to his insurance company. But to be safe, also report the incident to your insurance company. Also, engender sure your other friends who all saw this happen agree with your side of the story. Good luck!