homeowners insurance question

Abrowneyegirl · ‎03-15-2010

Can anyone explain this?:

We have a small group of women that get together at each others home to socialize everyother month.

One of the women tripped and fell at another woman's home. No fault of the homeowner- guest literally tripped on her own feet and could not catch herself. Down she went and broke her wrist, it is a bad break required surgery.

The homeowner has too pay the medical bills through her homeowners insurance.

Why wouldn't it come under the "victim's" medical insurance? It was an accident, no one's fault.

She did not sue the homeowner as they are friends.

But at the hospital she said it happened at someone's house so the medical claim was moved from her medical to the homeowner's insurance?????

Sooner · ‎03-10-2010

Don't know the answer but everyone should have a big liability policy for just such an incident. We have one in addition to our home owners policy.

Equuleus · ‎06-15-2018

Because she fell on another person's property. Same as if you were in another person's vehicle and had an accident and was hurt, your medical bills would be paid under the owner's policy under medical payments. It's a first-party claim. The homeowner or vehicle owners policy pays first and up to their limit and then if there is still medical treatment then the health insurance would pick up the rest.

software · ‎06-08-2016

Whenever there is an accident, your health insurance is going to look elsewhere for money,

If not Workers Comp, then homeowners insurance or the other driver, if a auto accident.

That's typical if you show up at the hospital and tell them it's an accident.

She could have lied & said it happened on her own property, like when I fell on my deck and broke my wrist. My insurance company practically harassed me about it. Asking over and over the details of the accident. When, where, how? Was it a step? Wood or concrete? Over and over.

Just let the 2 insurance companies fight it out.

It won't affect the friendship.

millieshops · ‎03-09-2010

Read @Equuleus. She's saying what I remember from years ago. Apparently things haven't changed.

deepwaterdotter · ‎03-09-2010

@Sooner wrote:
Don't know the answer but everyone should have a big liability policy for just such an incident. We have one in addition to our home owners policy.

We do too.

viva923 · ‎03-12-2010

she was at another persons house.

car insurance works same way, if you are a passenger in a car driven by someone , in a car accident,you get hurt. the drivers car insurance must pay all medical services.

stevieb · ‎03-10-2010

Because insurance is a legalized racket and their primary goal is to not pay out on a claim. If they can get the other party's insurance to pay, so much the better.

In my pantry with my cupcakes...

Ms tyrion2 · ‎05-08-2017

@stevieb wrote:
Because insurance is a legalized racket and their primary goal is to not pay out on a claim. If they can get the other party's insurance to pay, so much the better.

Wrong.

Each state determines a lot of this. As others before said, there is a prescribed order of coverage. Medical payments coverage is paid regardless of fault. It's often a fairly small amount. $5000 Is common. Once that coverage is exhausted, health insurance kicks in.

I don't see any attempt to avoid payment. The different carriers are just handling the claims in proper order as prescribed by the state.

Abrowneyegirl · ‎03-15-2010

@deepwaterdotter wrote:
@Sooner wrote:
Don't know the answer but everyone should have a big liability policy for just such an incident. We have one in addition to our home owners policy.
We do too.

So can you add 1million dollar liability policy per occurance for coverage?

This lady is already at $300,000 in claims and will need another surgery.