https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Sat, 04 Apr 2026 10:32:18 +0000 https://boards.hellobee.com/topic/using-home-insurance-for-an-injury#post-2924449 Mon, 26 Jul 2021 16:45:43 +0000 josina 2924449@https://boards.hellobee.com/ <br /><p><i>This comment has been deleted by the original poster.</i></p> https://boards.hellobee.com/topic/using-home-insurance-for-an-injury#post-2924174 Thu, 24 Jun 2021 13:44:42 +0000 Miss Ariel 2924174@https://boards.hellobee.com/ <p>@josina: it feels a little silly bringing this topic back up, but we had something occur today that reminded me of this topic.</p> <p>Dh recently had an issue with her back and they were contemplating surgery and did various x-rays, mris, etc… Today we got a letter in the mail from our insurance company asking various questions about how it occurred.</p> <p>Included in the questions are several about accidents, if someone else was liable, if a claim was filed was another insurance carrier, etc… Seeing all the types of questions they’re asking reminded me of this thread.</p> <p>So it definitely is possible that the medical carrier comes back asking how the accident had occurred. I’d be curious if they may not pay the claim fully if you told them that it was an accident, but that could possibly be handled when/if it occurs. </p> https://boards.hellobee.com/topic/using-home-insurance-for-an-injury#post-2923957 Wed, 02 Jun 2021 15:27:48 +0000 josina 2923957@https://boards.hellobee.com/ <p>@Jess1483: @Miss Ariel: Thanks for the perspective!</p> <p>DS had his follow up yesterday and I feel like his nose is still a bit off but we can't do anything about it until after puberty - which I assume means purely cosmetic surgery not covered by health insurance. He's also more likely to break it again so it's definitely not an easy one time fix. :sad: </p> https://boards.hellobee.com/topic/using-home-insurance-for-an-injury#post-2923956 Wed, 02 Jun 2021 14:25:54 +0000 Miss Ariel 2923956@https://boards.hellobee.com/ <p>@josina: for what’s it’s worth flood insurance is separate from homeowners insurance. All flood insurance is funded by the national government although can be sold through independent companies. Basically just because your bil may have flood insurance it shouldn’t have anything to do with a separate homeowners policy. (Coming from someone who has flood insurance and sadly had to file a flood claim.) </p> https://boards.hellobee.com/topic/using-home-insurance-for-an-injury#post-2923940 Sat, 29 May 2021 20:11:35 +0000 Jess1483 2923940@https://boards.hellobee.com/ <p>I don’t know all of the details, but my parents had my grandfather file a claim against their homeowner’s insurance when he was injured on their stairs once. My dad is a lawyer and decided that made sense for all of them. Not exactly the same, but it doesn’t have to be a bad thing in a family either—just what makes the most sense financially. But in this case my parents offered first. </p> https://boards.hellobee.com/topic/using-home-insurance-for-an-injury#post-2923923 Fri, 28 May 2021 15:25:48 +0000 catgirl 2923923@https://boards.hellobee.com/ <p>It's not something that makes sense to me in this situation but it's not as uncommon as people seem to think it is. This happens a lot in the insurance industry - sometimes by an individual filing and sometimes by a health insurance company filing. </p> https://boards.hellobee.com/topic/using-home-insurance-for-an-injury#post-2923922 Fri, 28 May 2021 15:04:13 +0000 josina 2923922@https://boards.hellobee.com/ <p>@Anagram: Nope, this is my sister's husband and he was never trying to screw them over or make them pay for anything. We would've paid the deductible either way.</p> <p>We've never used home insurance and from DH's take, that's what it's for - they have liability for a reason. He just wanted BIL to look into it in case it ends up being a drawn out and expensive injury. (multiple surgeries, multiple deductibles over years vs. one deductible on home). Basically asking - what is the deductible, will your insurance go up, etc. since we have no clue. </p> <p>BIL does have high insurance b/c he's in a flood plane and it would go up so we're not pursuing that route. DH was just so shocked that asking about it got such a bad reaction. Him and BIL are pretty close so his feelings were hurt, probably mutual, but never with ill intention.</p> <p>One of our neighbors had someone drop a board on their foot and injure it and took care of it on their home insurance, no big deal, so that's where his opinion was formed. DH said if someone was injured on our property we would do the same. </p> https://boards.hellobee.com/topic/using-home-insurance-for-an-injury#post-2923921 Fri, 28 May 2021 14:54:05 +0000 Anagram 2923921@https://boards.hellobee.com/ <p>@josina: I just have to know, is this your brother’s brother? Or your sibling’s husband? </p> <p>Does your husband not like them? </p> <p>I can’t imagine my husband or myself ever trying to get a sibling to pay for an injury my kids received while under my care at their house. As PPs have said, home insurance companies will drop you if you make several small claims or even 1 big claim. So people tend to only claim for really big reasons, otherwise they pay it out of pocket. We’ve had some fairly major things happen to our condo (upstairs neighbor leaked down into our unit, but we paid for repairs ourself because it was the same as our deductible and then our rates won’t go up when it’s time to renew. </p> <p>But I guess if your husband is fine with cutting off the relationship, and the rest of the family knowing the details. I’m sorry—I just can’t imagine this in my own family. I’m so curious about your husband’s line of thinking. He’d rather make his brothers home insurance premiums higher for life, than use his own health insurance? </p> <p>I know some American families are different, but my husband would 100% cut off a family member that did this and would consider it a huge, backstabbing thing, because in his culture you do everything for your family. </p> <p>Recently we made a joke about feeling broke after buying a new house, and his brother in law (by marriage) asked if we needed money. We make more money then then, but what a gesture! So it’s like, the opposite of what is occurring here. </p> <p>I’m not trying to make you feel bad at all, this concept is just so foreign to me. Makes me wonder if this is regional? Or if there’s existing bad blood? </p> https://boards.hellobee.com/topic/using-home-insurance-for-an-injury#post-2923895 Wed, 26 May 2021 14:09:42 +0000 peaches1038 2923895@https://boards.hellobee.com/ <p>I agree with the pp. it’s also doubtful that the homeowner’s insurance would continue to pay for health related costs that occur in 5-10 years, even if it was due to the accident. There’s generally a statue of limitations for that kind of thing. </p> https://boards.hellobee.com/topic/using-home-insurance-for-an-injury#post-2923892 Wed, 26 May 2021 13:32:41 +0000 JCCovi 2923892@https://boards.hellobee.com/ <p>Just wanted to add regarding the health insurance wanting more details... I broke my arm this fall riding my bike in the road. Totally my fault, no one else involved in anyway. After my ER visit the insurance sent me a required questionnaire where it asked a bunch of questions trying to see if it was in someone’s property, if another person had been involved, etc. When my daughter needed stitches beginning of last year we received no questionnaire. Not sure what the line is when they start asking those questions though... </p> https://boards.hellobee.com/topic/using-home-insurance-for-an-injury#post-2923891 Wed, 26 May 2021 13:06:15 +0000 josina 2923891@https://boards.hellobee.com/ <p>@Corduroy: @SweetCaroline: @agold: @BadgerMom: Thanks for all the info. and opinions! I agree that it's not worth it to ruin the relationship. Now to get DH on board as well. </p> https://boards.hellobee.com/topic/using-home-insurance-for-an-injury#post-2923889 Wed, 26 May 2021 12:58:19 +0000 Corduroy 2923889@https://boards.hellobee.com/ <p>@agold: Thanks for the tip. I'll check it out. </p> https://boards.hellobee.com/topic/using-home-insurance-for-an-injury#post-2923888 Wed, 26 May 2021 12:57:24 +0000 BadgerMom 2923888@https://boards.hellobee.com/ <p>I agree with @agold: if you go after your BIL’s homeowners insurance that is essentially akin to suing him. I really don’t think anything good will come of that for something that was clearly an accident and that you have good coverage for. If you were sitting with a major major issue that left you with bankrupting hospital bills that might be different. But I really don’t think it’s worth risking your relationship for your health insurance deductible. </p> https://boards.hellobee.com/topic/using-home-insurance-for-an-injury#post-2923887 Wed, 26 May 2021 12:47:45 +0000 agold 2923887@https://boards.hellobee.com/ <p>@Corduroy: Hi, neighbor! If you have State Farm, they have a new fire coverage thing for $35. I was just told about it yesterday. Check with your insurance.</p> <p>@josina: If you sue your own BIL after you decided to put your son in a bounce house and he broke his nose, its possible no one will invite your son to their house to play if they hear about it. Good luck, though. I really think your insurance will cover whatever is needed to be fixed later on. </p> https://boards.hellobee.com/topic/using-home-insurance-for-an-injury#post-2923886 Wed, 26 May 2021 12:24:45 +0000 SweetCaroline 2923886@https://boards.hellobee.com/ <p>Back injuries are questioned heavily because they want to ensure it was not an auto accident or workplace injury.</p> <p>Your BIL's coverage and premium rates would be at risk if you went after his home owner's insurance. I agree with @Corduroy: on all points. </p> <p>I really just don't see any good coming from persuing a claim against BIL's policy. Also, your insurance company doesn't want to put the resources behind fighting this claim. I realize this is a big deal to your family (and this event/cost would be to mine), but this is a small peanuts claim to your insurance.</p> <p>I'm sorry this happened, I hope your son continues to heal well and no future intervention is needed. Good luck with the insurance decisions. </p> https://boards.hellobee.com/topic/using-home-insurance-for-an-injury#post-2923885 Wed, 26 May 2021 12:07:20 +0000 Corduroy 2923885@https://boards.hellobee.com/ <p>This is a polarizing issue and depending on whether you're the injured party or the homeowner you're going to see it very differently.</p> <p>As a homeowner my understanding is that you only want to use your homeowners insurance for something really expensive that you can't pay for. Rates go up, you can be cancelled easily. Where I live in CA that's a big deal because insurance policies are already being cancelled all around us for fire risk. </p> <p>As the injured you have the right to file a claim but unless you're making a claim regarding liability you'll be limited to the general medical coverage of the home owners insurance. This may be in the $5k range, much less than the liability coverage. Since it sounds like the kids collided with each other I don't know the likelihood of proving a liability claim.</p> <p>If it were me and we had good health insurance I wouldn't file a claim. I think it would ruin the relationship with your sister and BIL. </p> https://boards.hellobee.com/topic/using-home-insurance-for-an-injury#post-2923882 Wed, 26 May 2021 09:53:48 +0000 josina 2923882@https://boards.hellobee.com/ <p>@MrsSCB: Nope, it wasn't work related, and I imagine the $ was pretty minor compared to the $5k for a broken nose. I guess we'll find out!</p> <p>Thanks, DS has been taking it really well, and hasn't complained about it hurting at all other than the initial break and surgery. I think he likes all the extra attention. Just hoping for a good outcome and maybe all this extra worry will be for nothing if it's just the one procedure. </p> https://boards.hellobee.com/topic/using-home-insurance-for-an-injury#post-2923881 Wed, 26 May 2021 09:44:17 +0000 MrsSCB 2923881@https://boards.hellobee.com/ <p>@josina: Oh, was he on worker's comp? I could see being contacted about an injury related to something like that, to verify it happened at work. But just going to the hospital for a broken nose, I don't typically hear of insurance companies asking how it happened. Regardless, sounds like this is causing a lot of drama, which I know is always stressful. And I really hope your son recovers well and doesn't have future issues! </p> https://boards.hellobee.com/topic/using-home-insurance-for-an-injury#post-2923880 Wed, 26 May 2021 09:41:20 +0000 josina 2923880@https://boards.hellobee.com/ <p>@MrsSCB: DH was contacted about a bunch of chiropractic appointments he had for his back, to ask how he hurt his back (possibly trying to go back on worker's comp?) so they have asked before.</p> <p>Now I feel like if insurance does decide to go after BIL he'll still blame us since we brought it up. Ugh. </p> <p>@erinbaderin: I read a bunch online that says it's pretty common to have a claim on a friend/family's home insurance like this and it's not a big deal (my husbands side) but BIL isn't taking it that way. He also has a trampoline so it easily could've happened on that too, I feel like now we're just setting ourselves up for our kids not being able to play there anymore. I also doubt BIL had extra coverage for the trampoline or bouncy house (if he needed it).</p> <p>I get DH's side I just hate that this is causing drama. </p> https://boards.hellobee.com/topic/using-home-insurance-for-an-injury#post-2923879 Wed, 26 May 2021 09:18:29 +0000 MrsSCB 2923879@https://boards.hellobee.com/ <p>@josina: Is that something health insurance companies are likely to do? I don't have a *lot* of experience with injuries, but so far I've never had any health insurance company ask for details about where or how an injury occurred. If they do ask you, I wouldn't lie! But personally I would leave that between the insurance companies and wait and see if it comes up. I wouldn't voluntarily contact the homeowner's insurance company to make a claim against you BIL, or suggest that the health insurance company do so. That's obviously a personal choice, though! If the surgery was covered, it seems like you'd either have to make a claim against their homeowner's insurance or sue for damages to get anything to cover any potential future issues. That's something you could do, but I wouldn't expect the relationship to survive that very well. </p> https://boards.hellobee.com/topic/using-home-insurance-for-an-injury#post-2923878 Wed, 26 May 2021 09:17:04 +0000 erinbaderin 2923878@https://boards.hellobee.com/ <p>I just did a quick google and found this (although it was on the website of a personal injury lawyer, so who knows): "Parents, if a child is injured at your child’s party, they have a right to make a claim against your homeowners’ insurance policy so beware!"</p> <p>I think there's probably a way to go about this so that nobody gets upset, especially if you make it clear to your brother in law that you're not trying to blame him or incur any expense to him. Although on the other hand I found another thing online that said home insurance policies may specify no trampolines or bounce houses and if theirs does, they might cancel their policy if they find out they had one. They might also want to confirm that it was properly staked in, you weren't exceeding the number of people inside, etc. </p> https://boards.hellobee.com/topic/using-home-insurance-for-an-injury#post-2923877 Wed, 26 May 2021 08:58:40 +0000 josina 2923877@https://boards.hellobee.com/ <p>@erinbaderin: I'm assuming he's worried about a deductible which we could potentially pay instead of paying the health insurance deductible? I don't know how it works. We're not wanting them to pay for it, just want to go through the proper channels I guess and make sure we're covered in the future.</p> <p>DH thinks that our health insurance is going to ask how/where this happened and in that case would go after BIL's home insurance unless we lie - because that's what home insurance is for. </p> <p>@muffinsmuffins: I agree it was an accident, and I think for home insurance it has to be proven that BIL was negligent. Which you could say no one was policing the bouncy house, but that's equally our faults also.</p> <p>I'm very much not confrontational so wouldn't have even brought this up with BIL, but don't want to be unsupportive of DH either. </p> https://boards.hellobee.com/topic/using-home-insurance-for-an-injury#post-2923874 Wed, 26 May 2021 08:51:09 +0000 muffinsmuffins 2923874@https://boards.hellobee.com/ <p>I haven’t been in this situation before and our healthcare system is different here (Canada) but I think there’s no way I could go forward with putting this through a family member or friends home insurance. I’m imagining that the same thing could happen at a park or anywhere. It’s an unfortunate accident that no one could control, and that happens sometimes for kids and adults alike. I would try to accept that it happened and hopefully there won’t be future issues, and I think future expenses will be on you unfortunately. I’m sorry this happened! I hope your LO is ok and heals well. </p> https://boards.hellobee.com/topic/using-home-insurance-for-an-injury#post-2923873 Wed, 26 May 2021 08:50:01 +0000 erinbaderin 2923873@https://boards.hellobee.com/ <p>It's possible I don't understand the issue - what are the consequences of going through the home insurance that your brother-in-law is upset about? Also if it was covered by your insurance, why would you go through theirs? I'm also not sure how something that could potentially arise in 5-10 years could be dealt with now.</p> <p>It sounds like it was just an accident, nobody was doing anything wrong, so if your in-laws are going to be penalized in some way (will their rates go up?) I can see why he'd be upset, I probably would too - it wasn't like they were being negligent. </p> https://boards.hellobee.com/topic/using-home-insurance-for-an-injury#post-2923872 Wed, 26 May 2021 08:28:53 +0000 josina 2923872@https://boards.hellobee.com/ <p>Wondering if anyone has turned an injury in to someone else's home insurance, or your thoughts on this situation?</p> <p>DS fractured his nose at my sister/BIL's house last weekend on their bouncy house. DS was coming down the slide (standing up and bouncing) and nephew had already gone down but then turned around to go back up. They hit HARD face first. </p> <p>We have good health insurance so "surgery" was covered minus our deductible/copay. But the Dr. said the damage was pretty bad, he's hoping the bones stay the way he placed it, and there could be breathing issues that we can't fix for 5-10 years because further nose surgery at his age (6) can stunt the nose growth. Post-op is next Tuesday to check how it's healing.</p> <p>DH is thinking this should go through BIL's home insurance. BIL got upset and said "I wouldn't do this to you" so is taking it personally. I don't want any future issues with son's nose OR any issues with our relationship with sister/BIL. </p> <p>I'm wondering what the right call is here? </p>