What to do if I fell on my parent’s property and received broke several broken bones/strains but their insurer states that it does not have to pay the claim?
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What to do if I fell on my parent’s property and received broke several broken bones/strains but their insurer states that it does not have to pay the claim?
Is that true? Doesn’t homeowners cover falls on property? I have over $200,000 in medical bills.
Asked on May 27, 2014 under Personal Injury, Delaware
Answers:
S.L,. Member, California Bar / FreeAdvice Contributing Attorney
Answered 10 years ago | Contributor
When you complete your medical treatment and are released by the doctor or are declared by the doctor to be permanent and stationary which means having reached a point in your treatment where no further improvement is anticipated, obtain your medical bills, medical reports and documentation of any wage loss. Your personal injury claim filed with the homeower's insurance carrier should include these items.
Compensation for the medical bills is straight reimbursement. The medical reports will document the nature and extent of your injuries and will be used to determine compensation for pain and suffering, which is an amount in addition to the medical bills. Compensation for wage loss is straight reimbursement.
If the homeowner's insurance carrier is refusing to pay, you can sue the insurance company on a bad faith claim.
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