 How can I find the rates of reasonable and customary medical charges that insurance companies go by? |
| I am trying to find out where I can find the rates that insurance companies use to determine a reasonable and customary charge. My insurance company has been reducing their payments to the doctor by ... |
|
 Served my country, but can't get life insurance? |
| I have served in the US Army for 17 years, I have deployed 5 times in support of many operations to include twice to Iraq and preparing for a 3rd. I took a physical last year for life insurance when I... |
|
 What should my average house insurance cost? |
| I'm buying an older house (1920's-1930's) in a working class neighborhood in California for about $200K. What should I expect to pay for my standard homeowner's insurance?... |
|
 Question about COBRA insurance? |
| I currently have health insurance (HMO) through my employer but I am planning to leave soon to take another job. I know that I will qualify for COBRA, but don't know a lot about it because I ... |
|
 How do I find out about Cobra Insurance? |
| I was let go from my job for health reasons, I had insurance there and upon leaving they did not offfer me to continue with the cobra plan. Who, Where do I get this info.... |
|
 Some say get rid of the unions, so you are willing to lose 40 hour work week, paid vacations, medical ins.? |
safety rules, your pay scale?
You have forgotten that you can not take there's without them taking yours.
I'm going to suggest that those of you who hate unions have NE... |
|
 Looking for a company who will provide life insurance for someone extreemly overweight? |
I would like to know if anyone knows of a insurance company who will cover someone who is around 290 to 300 lbs with pre-existing high blood pressure....coverage for life insurance
please..... |
|
 Does my doctors office have to tell me if they drop my insurance? ? |
| I've been going to the same pain doctor for a year. Last time I went, my insurance put it through as "out of network". I called to alert them of the error and they said as of July 1... |
|
 Which one is better All State or Farmers Insurance for cars? |
| I am looking for another car insurance company: Does anyone have any input on which is gives better service?... |
|
 Can't believe what the insurance company say ...? |
| My baggage went missing on a flight back from Morocco. I hate carrying things so always stick everything into my main bag including my lappy - so this bag goes missing. This is over a month ago and ... |
|
 My grandmother took out life insurance on her daughter, my mother. How do I find out if this is true? |
I was told that if I go to a funeral home they can find out for me. Is this true?
Additional Details
My Grandmother died in the '60s. I am asking this question because my mother ... |
|
 Will health insurance cover getting rid of a birthmark? |
If it will, how can I find out insurance information for my family without asking my dad (I'm 19 and I'm under his plan beacuse I'm student and I still live at home)
I have ... |
|
 Is it necessary to be insured to contribute to an HSA account? |
| I am choosing to drop my insurance coverage completely and I am not covered by any group health insurance. However, I would still like to establish an HSA savings account for medical expenses. Can I... |
|
 Does anyone know how to get help with excessive medical bills? |
| My friends mother is un-insured and she got sick and was in our local hospital and was air lifted to Erlanger Hospital in Chattanooga, TN. Are there programs or groups that could assist her with ... |
|
 Umbrella insurance: what does it cover? |
I'm specifically concerned with my wife's candle making craft.
She plans on selling a few candles to family and friends. Very small operation.
If one of these people burn their ... |
|
 Advice on buying life insurance? |
| A Primerica/Citibank representative visited with me on yesterday and gave me her spill on buying life insurance. Does anyone have any experience with this comapny? How would you rate their services,... |
|
|  |
VRMV | I met with an accident during walkthrough for my new townhome. Should I approach a lawyer for liability ? |
I fell through the attic while inspecting a structural lapse. Builder did not inform me to not go near the insulation-cotton (sheath) area. I slipped and fell through but did not end on floor beneath (30 ft down). I landed on a truss and held on to it. I visited a hospital for X-rays and will hear back from them 2 days from now. Will the builder have liability for this accident ?
Additional Details
I fell through the attic while inspecting a structural lapse. I was there along with the builder's On-site manager. On-site manager was walking me thru all problem areas and this was one. Builder did not inform me to not go near the insulation-cotton (sheath) area. I slipped and fell through but did not end on floor beneath (30 ft down). I landed on a truss and held on to it. I visited a hospital for X-rays and will hear back from Radiologist about the need to have an MRI 2 days from now. Will the builder have liability for this accident ? |
 |
 
Richard P
 |
Highly unlikley. The area you fell through is never meant for any weight stress. Underneath the insulation is only sheetrock which can not support a persons weight. You assumed the risk by going up there and any normal person should know it is a non-walking area. If you slipped, it was through your own negligence. Due attention to how you moved around while up there would have prevented this. |
|
MSAD
|
No.
Your the fool that tried to step on the insulation. If you don't know not to do that-- you have no business for being in the attic.
Heck, if you don't know not to step on the insulation -- then what the heck would you need to inspect a "structural lapse" for?? I don't think you would know what you are looking for?
The insulation is held up by the ceiling drywall. The dry wall is not strong enough to hold you.
If the builder is a nice guy...he will repair the ceiling for you at little or no charge.
But you are responsible for stepping through the ceiling and you are responsible for causing the damage to the town home. The builder does not owe you anything. |
|
Aaron E
|
Good question.
Was the builder there at the time?
Were there any witnesses?
Why did you go up in the first place?
Why did you walk off the wood flooring?
I think those need to answered before anything can be decided.
If the builder was there and didn't inform you as to how the ceiling was made or tried to prevent you from stepping onto insulation. Maybe there would be liability.
But one thing to keep in mind that will be used for his defense.
What would have prevented this injury from happening after the closing and the end of the home building?
As to say, sometime in the future and you being in the same place if it happened again.
What did he the builder do to be liable for it?
Also, without a witness, who is to say that any injuries happened on the property. That you didn't break the ceiling and hit yourself in the ribs to fake the injury?
Things to consider.
But my opinion, if I were the builder I wouldn't be worried about being liable for your injuries. They could have happened at any time. Which shows a No fault for liability. I am a contractor. I cannot worry about things that can happen to my work when I am not present. If the home owner wants to touch what I did and he gets hurt. Why would I infer any liability for that? Unless I gave him the impression that he could or should touch it. My state laws protect me in that case.
Home owners shouldn't check over any work that they do not have knowledge in. If in doubt, get a second opinion from another contractor.
If you hired a roofing company to do your roof.
If after they left, you climbed up to inspect their work and you fell getting down. Should the roofing company be responsible for your actions? Same thing for electrical work, or framing work.
Something had to take place to change the liability. |
|
src50
 |
Your injury sounds self-inflicted to me. Did the builder force you to climb around in the attic? |
|
Gambit
 |
There is too much information missing. You said you were "...inspecting a structural lapse...". Was the builder there or were you by yourself? Did the builder know you were going into the attic? Were they in the attic with you? If the builder was not there or was not aware you were going into the attic then I can't see how they would be liable. A reasonable person, if they saw such a defect would point this out to the builder and have them look at it. The only time I could see someone doing this on their own is if they had experience in building contruction/home repair. However seeing that you didn't know you weren't suppose to stay on the trusses without being told I doubt you could claim you had such experience.
Also it doesn't take a hospital two days to examine an x-ray. I have never seen a doctor take more than five minutes to examine an x-ray unless you went to a teaching hospital. So I can't imagine you were seriously injured or else they would not have let you leave if they thought you were. They're not going to call back in two days and say, "Oh by the way you have a fractured pelvis and internal bleeding. Do you mind coming back to the hospital when you have a chance so we can fix that?" |
|
s and d e
|
the builder might hold some liability, but so will you. what made you think you could walk in that area? the builder should have some sort of general liability coverage that will pay the bills but why automatically assume you have to see an attorney. most good businessmen will send the bills to his insurance and get them paid. if you don't have any lasting problems from the fall, then why would you need an attorney. also, did the builder know you were there or did you go there on your own. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
5 | 31 minutes(s) ago
| | | |
6 | 3 hour(s) ago
| | | |
7 | 8 hour(s) ago
| | | |
5 | 10 hour(s) ago
| | | |
6 | 1 day(s) ago
| | | |
6 | 5 day(s) ago
| | | |
6 | 1 week(s) ago
| | | |
6 | 2 week(s) ago
| | | |
6 | 1 month(s) ago
| | | |
5 | 2 month(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
