How can I catch my lost wages and medical bills covered? Friend have Allstate home insurance.?
I was helping my friend at her house when her garage door came stale track (wheel popped off) and came crashing down on me. I was debut door for her. It broke my arm. I cannot work for 6 weeks and the medical bills are piling up. I cannot survive not working for 6 weeks! How do I handle this thing? Will I hve to sue myfriend or will Allstate cover wages?
Answers:
You cannot file a claim against another's insurance. You may have to sue. You may also be eligible, however, for state interim disability while you cannot work.
To get any "serious money" you hold to sue. But if you just want to cover your bills and stuff...... Tell your friend to call and directory a claim under Medical Payments. The policy should have at smallest $1000 in coverage and some policies go up to $10,000. This can be done beside just a simple phone call. So nickname the agent or company to see what the limit is on her policy. Good luck! Source(s): http://www.mrrates.com
Her home owners will cover your cost but she will need to pay her deductible.
These types of things are pretty common under a HO plan.
Have her unstop a claim direct with the insurance. DON'T call a advocate, yet, unless you want to kiss goodbye to 40% of your settlement.
Be cooperative with the investigator, provide adjectives documentation and be patient. Be firm that you deserve payment, however. Get a attorney if it looks like a real rip-off.
In any satchel, most people are very disappointed next to settlement amounts. The limits on the HO policy may be the problem here, however, I'm betting the the original garage installer is the one in actual fact at fault, so let the insurer step after them, or go after them yourself, since they likely enjoy a much bigger policy.
First, don't get a advocate and start suing anyone. That's a stupid idea!! Lawyers and lawsuits should be a last resort. Her homeowners insurance will hold medical payments AND liability coverage. Here's the trick......if your friend was negligent within maintaining her door which caused your injuries, it should be file under her liability coverage, which will have substantially complex limits and would cover lost wages and pain and suffering. However, if it be simply a freak accident that your friend couldn't have prevented surrounded by any way, you would only be covered beneath the med pay portion which doesn't include provisions for lost wages or pain and suffering.
Your friend requirements to file a homeowners claim and let her adjusters investigate. After the investigation and submit of settlement....if you're still not satisfied, then attain a lawyer and let them feel it. Source(s): adjuster
Your friends policy has 2 coverages that may apply.
One is called medical payments coverage. This is usually in the order of 5000 but can be more. This coverage pays for injury to non-residents of your house hold that are injured on your property regardless of fault or negligence. It does not pay lost wages but it does wage medical bills. Most likely you can collect under this one.
The other coverage is liability. In demand to collect under this coverage- your friend has to be justifiably liable for your injuries. She has to have be negligent and that negligence is the direct cause of your injury. Based on the terrifically limited information you provided - the liability coverage may not apply in this situation.
If you chose to catch a lawyer and sue-- yes, you would sue your friend - not the insurance company. So, you can probably kiss that friendship good bye if you sue her. Also-- only just because you sue-- does not mean you will win and get a big wage day-- sometime people file imperative suits and lose and it ends up costing them money.
Sometimes cr(a)p happens -- and you don't get rewarded for it. Source(s): Insurance Adjuster 12 years
You have to sue her in directive for her to file a claim. You will need to prove she be negligent in some track. However, you should not make it past the initial file, Allstate would settle this out of court because it just is not worth the expense.
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Answers:
You cannot file a claim against another's insurance. You may have to sue. You may also be eligible, however, for state interim disability while you cannot work.
To get any "serious money" you hold to sue. But if you just want to cover your bills and stuff...... Tell your friend to call and directory a claim under Medical Payments. The policy should have at smallest $1000 in coverage and some policies go up to $10,000. This can be done beside just a simple phone call. So nickname the agent or company to see what the limit is on her policy. Good luck! Source(s): http://www.mrrates.com
Her home owners will cover your cost but she will need to pay her deductible.
These types of things are pretty common under a HO plan.
Have her unstop a claim direct with the insurance. DON'T call a advocate, yet, unless you want to kiss goodbye to 40% of your settlement.
Be cooperative with the investigator, provide adjectives documentation and be patient. Be firm that you deserve payment, however. Get a attorney if it looks like a real rip-off.
In any satchel, most people are very disappointed next to settlement amounts. The limits on the HO policy may be the problem here, however, I'm betting the the original garage installer is the one in actual fact at fault, so let the insurer step after them, or go after them yourself, since they likely enjoy a much bigger policy.
First, don't get a advocate and start suing anyone. That's a stupid idea!! Lawyers and lawsuits should be a last resort. Her homeowners insurance will hold medical payments AND liability coverage. Here's the trick......if your friend was negligent within maintaining her door which caused your injuries, it should be file under her liability coverage, which will have substantially complex limits and would cover lost wages and pain and suffering. However, if it be simply a freak accident that your friend couldn't have prevented surrounded by any way, you would only be covered beneath the med pay portion which doesn't include provisions for lost wages or pain and suffering.
Your friend requirements to file a homeowners claim and let her adjusters investigate. After the investigation and submit of settlement....if you're still not satisfied, then attain a lawyer and let them feel it. Source(s): adjuster
Your friends policy has 2 coverages that may apply.
One is called medical payments coverage. This is usually in the order of 5000 but can be more. This coverage pays for injury to non-residents of your house hold that are injured on your property regardless of fault or negligence. It does not pay lost wages but it does wage medical bills. Most likely you can collect under this one.
The other coverage is liability. In demand to collect under this coverage- your friend has to be justifiably liable for your injuries. She has to have be negligent and that negligence is the direct cause of your injury. Based on the terrifically limited information you provided - the liability coverage may not apply in this situation.
If you chose to catch a lawyer and sue-- yes, you would sue your friend - not the insurance company. So, you can probably kiss that friendship good bye if you sue her. Also-- only just because you sue-- does not mean you will win and get a big wage day-- sometime people file imperative suits and lose and it ends up costing them money.
Sometimes cr(a)p happens -- and you don't get rewarded for it. Source(s): Insurance Adjuster 12 years
You have to sue her in directive for her to file a claim. You will need to prove she be negligent in some track. However, you should not make it past the initial file, Allstate would settle this out of court because it just is not worth the expense.
Related Questions: