In May we had a family gathering @ my fathers place.He lives out in the country.We wanted to build a bon fire

Question

so a couple of the guys loaded pallets on the p/up to bring them to the fire. They were down in the BACK of my dads pasture.My husbands foot got caught in one the pallets and he fell and twisted his knee.He went to wk until he could not stand it anymore and i finally convinced him to go to the Dr. They ultimately did and MRI and he has a torn miniscus and severe strained ligaments.We are a close family or atleast I thought we were. I called my dad and told him we may have to file a claim on his homeowners ins and he freaked out on me.He has owned his place for 30 yrs and has had MAYBE 1-2 claims that I know of. He said some really hurtful things to me and acted like my husband meant to hurt his knee out there. My husband is a supervisor @ his work and has NEVER missed a day of wk hardly ever.But we live paycheck to paycheck so I thought my dad would WANT to help out. I honestly dont know if I can get over this.We have health ins but it wnt pay for my husb time off wk 4-6 wks plse help

I calmly approached my dad and even tt my friend who has worked for ALLSTATE for 12 yrs before tt him and she said it nothing more than a simple liability claim and if at all his premiums MIGHT go up 100.00 a yr for 3 yrs.hmm. he wasnt worried when he filed a claim on his delapitated barn and pocketed $1,000.. still hasnt fixed the barn either.No he took it as a personal attack on him and I know life is short and all but he should know that to and he still did not have the right to tt me the way he did so I sure dont owe him an apology.I do work full time but not enough to pay all of our bills. We save when we can but we have a son thats getting ready for college and our daughter is a single mom with 2 kids that we have helped out in the past so it is hard to save alot of extra $. My dad is not poor and we would even offer to pay the premiums if they did go up but i didnt get that far in the conversation. I find it disheartening that he would rather see his daugher struggle than help

Answer 1

Your dad should understand this - it's not a personal attack on him, merely a necessity to getting this handled appropriately. Anyway, no telling what future complications could arise. It should go on the Homeowners. They won't cancel him for a petty claim like that anyway.

Answer 2

I think the better thing to do was ask for a little financial help for the 4-6 weeks that he'll be off work. Maybe a loan that you can pay back to your father as you can. If you file a claim with his insurance, his rates go up, forever! Can you get a job quickly to bring some money in while he's laid up? I think getting a family members home owners insurance involved in something like this is wrong. Of course your father is mad. Mine would be too. Things like this are better worked out on a personal level. If you want pay for your husbands time off work you should have thought about that before something happened. I don't mean to sound snippy but that's really the truth. You have to have a back up plan in place. You should think about getting some kind of insurance for the future. My husband is our sole earner and we're insured out the wazoo for this type of thing. Tell your dad you won't file the claim. Apologize and ask if he could possibly lend you guys a hand while your husband is off work. If he agrees, make a plan to pay him back promptly! Good luck

Answer 3

It was your approach. You should have called your Dad, told him what happened with the Dr. and that your husband would be out of work for 4-6 weeks and asked if it would be OK to put in a claim to help you out.

Now if he had said no that would have been unreasonable. But wait did your Dad ask your husband to build a fire?

But wait again, is he on a fixed income? Would the amount that his insurance would go up really hurt him? Could he still afford food? You need to start over with him.

Answer 4

Let me give you an advice. Don't ever assume how older folks react. For one thing when they get older they get angry fast. I don't know why but they think everyone is out there to cheat them out of their money even their own children. They also say things that they don't really mean. It has happened to me before with my dad before he passed away. So I know first hand.
The best thing for you to do in this case, is keep your cool and your dad's respect and don't say anything to him that will make him upset. You never know how much more time you have to spend with him. So don't say anything to him that you will regret later.
Try to resolve this within your own family and act like nothing happened. Do not force the issue with your dad and his homeowner insurance. You will just aggrevate the situation.
Keep your close ties to the family. It's something you cannot replace.
Good luck.

Answer 5

Ya understand what screw that - detect a flippin grenade - throw that and the pc interior the back backyard of a neighbor you won't be in a position to stand and watch them the two blow up - the way you like them apples! F Microsoft and the viruse secure practices we ought to consistently pay for to eliminate! ok i think of somebody is on some drugs right here "Pasquale" Why do no longer you pass mild a fire in heaven bro.

Answer 6

This is a sad story, your father is a selfish man and is not capable of seeing insurance for what it is. You don't need his permission to make a claim but be prepared to put up with more friction between you and your father, he will get over it sooner or later, if not, don't for get your loyalty lies with your husband and it sounds to me that you can ill afford to take a large financial hit in order to sooth you dad's feelings.

Answer 7

File the claim and split the money

Answer 8

your dad feels worse that your hubby was hurt on his property and is showing it with his anger. this situation is about guilt not about home-owners insurance. do not you get it gal? you papa feels guilty about this even though he has nothing to do with the accident. he knows what strain the accident is putting on your family.