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I have Bluecross of California, this is our insurance info:
$300 deductible
25% co-insurance
$2,500 out of pocket maximum (stop loss)
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Until recently, my stepdaughter was covered under Child Health Care Plus. C... |
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 Auto insurance question - this is crazy!!? |
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letsroll
S
... |
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 Paid twice by insurance? |
| My previous car insurer has cancelled my policy 3 month into the policy. They said they would pay me for the 9 months i had left. The thing is they paid me it on the 22nd august by the correct amount ... |
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| Do I have to pay this medical bill? |
| I had a car accident 6 months ago and was unconscious when the ambulance sent me to a hospital. I have full medical coverage but they only pay part of my care when I go to a different hospital. Now I ... |
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pete l | I injured myself at my niebors house. whos responcible for hospitle bills? |
cut thumb with tile |
 |
 
Starreply
 |
Depends on how it happened.
Mostly you will have to pay a bug sum in fees, especially if lawyers prove that you knew that tile was broken beforehand and were just careless, or did it intentionally to grab the moolah.
Will you ever be welcome in any neighbors or any one else's house for that matter after suing? |
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529s.com
|
Most homeowners insurance policies have "Guest Medical" coverage. This provides for injuries to guests. Ask your neighbor to check with his agent. Otherwise you could go through your health insurance. |
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Dax
|
If it was your own stupidity probably you. However if it somehow related to some negligence ie slippery floor or something of that nature you have recourse against his homeowner's insurance liability portion.
I would recommed you first ask for reimbursement to your friend rather than sue. |
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kingbodonti
|
Possible that you cut your thumb with tile anywhere. Doesn't necessarily mean it was your neighbor's fault. |
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T Dogg
|
It depends - was it ultimately YOUR fault or the neighbor's? If it was your fault, take responsibility for your actions and leave the neighbor out of it.
If it was the neighbor's fault, ask him to do the honorable thing and give you the money.
Remember, just because you COULD sue someone, doesn't me you SHOULD. |
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Ann Toozie
 |
Their homeowner's insurance should take care of it. If there is no insurance, try to get them to pay. If they won't, go to small claims court. (I assume you are in the US.) You can collect a maximum of $5000 in small claims court and you do not need an attorney. But talk to your friends first. Don't sue them without discussing it. |
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Dinner
 |
You are, you hurt yourself. |
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tennessee_cherokee
 |
Why sue your neighbor for it, they didnt twist your arm and make you play with their tile. Why waste time with all that? Now unless you cut your thumb off, thats a different story, they are responsible for that, but if you just cut your thumb, go to Wal Mart, and they have these little things called bandages, they even have liquid bandage, and neosporin. |
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the_illusionist_03
|
This most pobably seems as a case of accident (i.e. a non intentional injury). The following things can be done -
1) If you have personal accident Insurance, you can claim it from the insurance comapny. Most insurance companies tie up with hospitals and so one can claim a cashless insurance. This means that the injured person gets himself or herself treated and doesn't make any payment. The insurance company settles it on behalf of the customer. Alternatively one can pay the bills and claim for a refund from the insurance company later on. The important thing to note here is that the insurance company will entertain such a claim if and only if one has got injured because of an accident.
2) Some home insurance coverage also covers PUBLIC LIABILITY. This means that should any member of the public (in this case public will be YOU) get injured in the insured's (in this case your neighbor's home) home, the cost of treatment and any legal compensation so awarded will be borne by the insurance company. However, for this you will have to check with your neighbor whether he is covered by Home Insurance and with this public liability clause. Please note that in this case if the claim is admitted by the insurance company, it may refuse to pay a part of your hospital bills which is allowed.
Please note that in no case will the insurance compnay pay more than the sum insured for the specific coverages.
Hope one finds this information useful. |
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sandras77
|
if you have made a number of claims for injuries similar to this one and ask for bills and other damages. the insurance company could counter claim that you are commiting insurance fraud and fail to pay. insurance companys thru a network of data bases do monitor individuals who routinely have accidents.
just not enough details to assume that homeowners insurance will pay. i think the homeowner should have been put on notice of the injury and given a chance to pay the bill or make resitution in some way. |
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NVgirl
|
Glad I live in Canada cause we have free medical. It must suck to live in a country where you have to sue your friends and neighbours to pay for an accidental cut.
Here we can take blame for our silly injuries.
There you have to blame someone else so you don't have to foot the bills.
Think of this: is the bill big enough to lose a friendship over? And could it have been partly your fault for being clumsy? And is it really worth the effort? |
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jduck1979
|
I think it depends on a number of things
1) Was it down to you not paying attention
2) Was it down to your neighbour failing to fix the tile before cutting yourself on it?
3) Was it incurred while helping neighbour with a home repair / improvement project? |
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Somnath c
|
It shud be U because its an accident..I dont suspect its pre meditated by ur neighbour |
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LARRY
|
his homeowners insurance should pay for this. |
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natraj
|
YOU ONLY! |
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