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Cyndi M | If I fell in my daughters house and she has state farm, will state farm pay for my medical bills? |
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mbrcatz
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If you don't live there, then they will pay up to the policy Medical Payments limit in medical bills, no fault. IF your daughter submits the bills.
The standard homeowners policy has between $500 and $1,000 in medical payments coverage. Not much.
After that, you have to "sue" your daughter and prove that the fall was HER fault, and not yours. And if you win, her insurance will probably get cancelled, and she'll have a hard time finding another policy. |
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Mike E
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Your kiddig me right?? Your actually thinking about sueing your own daughter!! ?? Wow!! Your a loser!! See you on the next Jerry Springer show. |
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bdgizzy
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Yes, but keep in mind 1) they could cancel your daughters ins. policy,2) they could think its a fraud or they could just laugh in your face. I'm dealing with a situation with that same co. right now, it's a total nightmare, they are so unco-operative, they try & put the blame on the injured party instead of the person who is really at fault. Good luck to u and your daughter. |
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latrailera2000
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Why would you want to do that to your family? suck it up! pay for it yourself! it will make her policy go up! |
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fighting saints
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Seems like you are getting a lot of answers from people who are not in the insurance arena. mbrcatz17 has the most correct so far.
Homeowners policies have a Medical Payments coverage that applies to injuries occurring on the property. It usually is $1000 of coverage. It is not a liability claim it is more like a "no fault" claim. The policy deductible doesn't apply for this coverage.
I haven't worked for St. Farm for almost 15yrs but in the old days a claim under the Homeowners Medical Payments didn't cause a rate increase or a cancellation
You are not a loser for making such a claim that is why the coverage is there. The person who said that has no clue.
Depending on the facts of the fall you might also be able to make a liability (pain & suffering) claim against your daughters policy. Doing that can might cause a rate increase or a cancellation but a liability bodily injury claim is totally different then making a claim under the Medical Payments coverage.
I would suggest that if it hasn't been reported yet that you report the claim and only ask for the bills to be paid and not make a claim for pain & suffering. |
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David B
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if you believe your daughter was in some way liable or negligent you can claim against her homeowners insurance. Wont make you her favorite mom, but if you dont have health insurance then might be the best way to go. |
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Straight-Up
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If the accident was due to something that she could have prevented and didn't, then yes. Say for instance, there's standing water on the floor and you take a fall from this. This water spill was an accident waiting to happen, so the insurance company will pay because this makes your daughter appear negligent. But, if you were up dancing for instance and lost your balance, then she's not at fault and her insurance company won't pay. The circumstances of your accident play a major role in who is at fault. |
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jpp1959
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It depends on her coverage. Most homeowners policies will cover up something like this. Some companies have a history of dragging their feet. (see other answers) That is why you buy insurance. So your family can not have any worries. She needs to check her policy, and make sure what she is covered for, sometimes this coverage is left off of homeowners or renters policies.
Accidents happen. and insurance is there to cover medical bills. |
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Jessica S
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This would be covered under personal liability if your daughter was somehow liable or negligent for your falling. She knew the floor was wet, the stair was broken, etc.
If you just took a misstep and fell down, your daughter had nothing to do with this and you should use your own health insurance. |
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mrsladyjay86
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YES,
my grandma had state farm and i fell in her house while i was rollerblading "stupid me". but she claimed it through state farm and the insurance fixed my broken tooth |
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Nate W
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Yes, most policies contain some kind of guest medical coverage. Before you start filing claims however, there are some things to consider.
What is your daughter's deductible on her policy?
I don't know what your medical bills are, but remember, your daughter will pay the deductible.
Has she filed any other claims in the last 5 yrs? ($$$ amounts don't matter, a claim is a claim)
If so, State Farm is likely to cancel her policy after the claim is completed. She will have a very hard time after that finding affordable insurance.
Her rate will go up
Often, there is a hefty surcharge applied after a liability claim. Your daughter's insurance premium will go up for the next 5 yrs.
You should weigh these outcomes before choosing to file the claim. If you do decide to go ahead with the claim, hang on to every scrap of paper your physician gives you. State Farm will want documentation for every penny. |
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WomanWhoReads
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Sure. That's why she has 3rd-party cover. OK to say "deal with it" for yourself, but you wouldn't want your guests to suffer.
Besides, you have a duty of care to yourself. If your injury gets worse without treatment, who's going to take care of you then - your daughter? Better to avoid that, by getting treatment when necessary, before the damage gets worse. |
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J F
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yes. |
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