Homeowners Insurance?
My daughter got a splinter in her foot from my fiance's hardwood floors. I could not return with the splinter out myself as it was about 2 inches long and in the order of as thick as a toothpick (pretty thick as splinters step i think). Well, I ended up having to bear her to the emergency room (we don't have an urgent care anywhere close by and this was a saturday). I just get the bill and it's $500. my question is this: would my fiance's homeowner's insurance cover this? and if so, would it cause his homeowner's premiums to be increased?
Answers: Its possible your fiance's insurance would cover it underneath his medical coverage for others. You would need to check with his company to clear sure before he files a claim. There is always a possibility that his rates could be artificial because of it. He may be better off to just abet you pay the $500 medical bill then to enjoy a claim on his record.
more than likely he could claim this lower than his medical on his homeowners policy. this would NOT affect his premium. homeowners premiums don't normally raise due to claims close to an auto policy. if he has made claims in former times it could affect whether his company wants to keep the risk though. when you return with into making 3 or more claims in under 2 years companies don't close to to keep the policy as it is considered high risk. if he hasn't made any claims, it shouldn't be a problem. Does your daughter live beside your fiance?
If so...no.
If not, then his medical payments policy would apply.
However, if his hardwood floors are such a danger, after his insurance company may reconsider the risk..(also known as reverse him). A rate increase is also possible.
You are filing a claim saying that a minor child be injured because of a condition of his property. I expect it would affect his policy.
If you decide not to file against your boyfriend's insurance...
you can ring up the hospital and set up a payment plan with them. Usually they will do it interest free. I own been paying on a medical bill of mine that was 1000 at 50 a month interest free. As long as you transport the checks every month, they don't put it on your credit. But you have to speak to the billing department and set it up.
Claiming it would probably end up increasing his premium the subsequent year if they would cover it.
Also, he may have $500 deductible in which skin it would increase his premium next year by filing a claim and probably wouldn't reimburse you a cent.
Are you and your daughter living there? Usually, they will not cover injuries to household members.
Add a Parent to Your Insurance...?
Information on the subject of Insurance career, what is the best route to nick?
Small business product insurance?
What exactly is full coverage insurance?
What benign of insurance do you involve for shipping merchandise overseas?
Will I get hold of severance insurance benefits surrounded by California if employed as a temp?
What more or less the insurance?
Auto Insurance?
Answers: Its possible your fiance's insurance would cover it underneath his medical coverage for others. You would need to check with his company to clear sure before he files a claim. There is always a possibility that his rates could be artificial because of it. He may be better off to just abet you pay the $500 medical bill then to enjoy a claim on his record.
more than likely he could claim this lower than his medical on his homeowners policy. this would NOT affect his premium. homeowners premiums don't normally raise due to claims close to an auto policy. if he has made claims in former times it could affect whether his company wants to keep the risk though. when you return with into making 3 or more claims in under 2 years companies don't close to to keep the policy as it is considered high risk. if he hasn't made any claims, it shouldn't be a problem. Does your daughter live beside your fiance?
If so...no.
If not, then his medical payments policy would apply.
However, if his hardwood floors are such a danger, after his insurance company may reconsider the risk..(also known as reverse him). A rate increase is also possible.
You are filing a claim saying that a minor child be injured because of a condition of his property. I expect it would affect his policy.
If you decide not to file against your boyfriend's insurance...
you can ring up the hospital and set up a payment plan with them. Usually they will do it interest free. I own been paying on a medical bill of mine that was 1000 at 50 a month interest free. As long as you transport the checks every month, they don't put it on your credit. But you have to speak to the billing department and set it up.
Claiming it would probably end up increasing his premium the subsequent year if they would cover it.
Also, he may have $500 deductible in which skin it would increase his premium next year by filing a claim and probably wouldn't reimburse you a cent.
Are you and your daughter living there? Usually, they will not cover injuries to household members.