My friends homeowners insurance will drop them if they make such a large claim so soon. I was in the hospital for a week. Am I legally bound to say that the fall happened there?
2006-06-27 04:58:38 · 11 answers · asked by cloud9 4 in Politics & Government ➔ Law & Ethics
Hmmm..might want to talk to a lawyer. All insurance companies will do whatever they can do to pass the buck onto someone else so they can save money.
Realistically though, that's why people have homeowner's insurance - to cover accidents that happen at their home. Whether or not your friend wants to make an insurance claim or pay you out of their own pocket is their choice, but either way, your FRIEND should be covering your medical costs as well as any lost work income you had.
In fact, they should be grateful that you are not suing for more, because you could legally get pain and suffering too!
Not all insurance companies drop on one claim. I had State Farm and had two $5K claims in the first 9 months I had the house and they didn't drop me or raise my rates (to my surprise).
In any case, your insurance company does have the right to go after your friend (if the friend doesn't turn over the insurance info) and you probably ARE legally compelled to cooperate. Check your own insurance contract. Otherwise your ins co might be able to refuse the claim.
Plus you are still out a week or more's income.
Jeez..you sound like a great and caring friend, but your friend is more concerned with his own pocket than your welfare. I'd ditch the friend and hire a lawyer to sue them!
2006-06-27 05:06:00 · answer #1 · answered by Lori A 6 · 3⤊ 0⤋
Lying won't help you and will only cause you to be a nervous reck. Hey, it's not your fault you fell through the floor IF the floor was faulty in any way. Tell your friends to start shopping for a new insurance company. Give them this advice... Tell them to use the same insurance company that insures their cars. A lot of insurance companies give discounts to homeowners who have car insurance and homeowners insurance through them. Allstate and Farmers are good starts.
2006-06-27 12:05:26 · answer #2 · answered by whatzerface 3 · 0⤊ 0⤋
You are legally bound to tell the truth, or you could be in a LOT of trouble. Since it's your friends that have something to gain, ask them to hire a lawyer for you. Perhaps you can keep your mouth shut, but you can NEVER lie. It's called insurance fraud, and, if you've noticed any of those commercials lately, you will get into big trouble.
2006-06-27 12:01:48 · answer #3 · answered by FozzieBear 7 · 0⤊ 0⤋
Yes you are legally bound to tell the truth to both Insurance companies.Your friends have to realize this and not be mad at you.If you lie to them and they find out not only will their insurance not pay, yours will not pay and will asked to be reimbursed for the monies they have already paid out.Your Insurance company can drop you too.So tell the truth asnd explain to your friends why you can't lie.Good luck to you and hope you don't lose the friends.
2006-06-27 12:46:32 · answer #4 · answered by DreamWeaver 6 · 0⤊ 0⤋
The contract that you have with your insurance company gives them the right to sue, in your name, anyone who is liable for the damages which they paid out. It's called subrogation. There is also a provision in your insurance contract that requires you to assist them in these subrogation claims.
The real question is, "Are your friends liable?" Just because you fell in their house does not mean that your insurance company will win a lawsuit against them.
2006-06-27 12:20:04 · answer #5 · answered by CAPTREE 4 · 0⤊ 0⤋
You better get paid! You have to tell. You were injured and it was their house. Sorry but it must be done. For you to fall through their floor is unacceptable. The house should have been inspected properly, if at all. They are responsible.
2006-06-27 12:03:31 · answer #6 · answered by Anonymous · 0⤊ 0⤋
Yes, it is fraud if you lie, and if you don't tell them anything they will make YOU pay!
Its unfortunate, but your friend could get insurance from somewhere else, there are hundreds of insurance companies.
2006-06-27 12:22:50 · answer #7 · answered by Christopher 4 · 0⤊ 0⤋
Tell the truth- insurance fraud isn't pretty- I seriously doubt if there insurance will drop them.
2006-06-27 12:02:30 · answer #8 · answered by northwest.poet 4 · 0⤊ 0⤋
Only if you want your insurance to cover you.
2006-06-27 12:03:13 · answer #9 · answered by ? 6 · 0⤊ 0⤋
yes
2006-06-27 12:02:13 · answer #10 · answered by stratdog9 2 · 0⤊ 0⤋