I fell at a friends home and I am now out of work and may need surgery?

Question

Do I put a claim through his insurance company this way I will receive wages I will be out of work for a few more weeks and may need surgery on the knee

Answer 1

That's what his liability insurance is for, UNLESS you were doing something stupid or were drunk. It shouldn't affect your friendship because he is not paying out-of-pocket for your expenses. And please ignore the person who talks about sharing with your friend, you are suing for medical costs and/or loss-of-income. This isn't meant to be like a lottery win.

Answer 2

2 scenarios.
1) is that you were responsible for falling. You tripped over your own feet, slipped on some icy sidewalk(yes, liability is usually on the falling person as a reasonable person would be aware of conditions and required to take due care)
2)The accident was the fault of the other party such as accidentally bumping into for some reason, a pet tripping you up, or negligent maintenance of the house which you would not have been aware of.

in the first situation, the homeowner will carry "Premises Medical Payments" coverage. This coverage is a smaller amount, often around $5,000-$10,000 and is intended to pay you for your medical costs, regardless of whose fault it was. So if you don't have any health insurance, you really should be covered for the medical bills, up to the limit of coverage that your friend purchased.

in the second case, the Medical Payments coverage still applies, however, there is also "Bodily Injury": coverage owed to you for the homeowner's liabilty. This coverage will NOT pay you weekly wages as you go along with medical treatment. Rather, they would review your claim AFTER you have fully recovered and will settle with you for medical costs not covered by medical payments coverage, lost wages and pain & suffering from the accident.

If you aren't sure what the circumstances are with regard to liability decions, there is no reason NOT to have your friend at least report the incident to their insurance company. By not reporting it, they may be jeopardizing any coverage being paid at all.

Answer 3

If the fall was due to your friends negligence then you could put in a claim under his liability coverage. If the fall was not due to your friends negligence but happened on his property then you can claim under his medical payments. Medical payments coverage is usually somewhere between 1000 and 10000

Answer 4

Was there a hole in his floor, or something else negligent on his part that caused you to fall? If so, by all means make a claim against him and his homeowners insurance. If not, use your own medical insurance.

Answer 5

Good old compensation! Try taking responsibility for your own actions. How are you going to claim on his insurance? If you're in work, you're entitled to sickness benefit or, if you're really a good employee, maybe your boss will be sympathetic and continue to pay you whilst you can't work. Why can't you work, exactly? Does a gammy knee prevent you from doing your job?

Answer 6

You would go through your own insurance. Health insurance is not transferable.

Answer 7

If there was negligence at your friends house that caused your accident then it goes on his insurance, basically you are suing him. If it was due to your own accident, clumsy, drunk, fooling around, etc it goes on your insurance. Use short term disability if you have it.

Answer 8

What has this to with Cars and Transportation

Answer 9

ask ya doc for a sick note regarding ya knee injury check out insurance at ya mates place you shud be ok need any information check out SCOUSE FACILITYS on ALL YOUR LEAGAL REQUIREMENTS FROM HOME @ [e-mail] WE WILL DO ARE UPMOST TO HELP

Answer 10

is it worth loosing a friend over?
how did u fall?