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poseidon_92 · Apr 29, 2009, 05:26 PM

Hello...
I live with a friend of mine who I know has very good homeowners insurance. I've lived her a few years and have never signed a lease, nor have I been asked. I recently slipped and fell in the bathtub after the owner (my friend), did not clean the tub after using a form of oil scrub, and the next morning I put one foot in and slipped right back out. I have torn many ligaments and need reconstructive surgery on my knee. Per my surgeon, he advised me to ask her if I was covered under her Homeowner's policy even though I currently reside there, but no lease has ever been signed.

Any advice/help? I asked her nicely to check her policy and she shrugged it off, meanwhile I'm in a brace, can't walk or drive by myself and have had crutches for over a month. I recently started a new job and now after surgery will need approximately 2 months off, so I will not have any income.

Thanks!

madhatter2 · Apr 29, 2009, 05:45 PM

Originally Posted by poseidon_92

Hello...
I live with a friend of mine who I know has very good homeowners insurance. I've lived her a few years and have never signed a lease, nor have I been asked. I recently slipped and fell in the bathtub after the owner (my friend), did not clean the tub after using a form of oil scrub, and the next morning I put one foot in and slipped right back out. I have torn many ligaments and need reconstructive surgery on my knee. Per my surgeon, he advised me to ask her if I was covered under her Homeowner's policy even though I currently reside there, but no lease has ever been signed.

Any advice/help? I asked her nicely to check her policy and she shrugged it off, meanwhile I'm in a brace, can't walk or drive by myself and have had crutches for over a month. I recently started a new job and now after surgery will need approximately 2 months off, so I will not have any income.

Thanks!

It all depends if you can prove in court you wasn't living there when you really were bet you probably get mail delivered there all it takes is 1 letter with your name and address printed on it and you lose a court case and a friend.
Most home owners insurance doesn't cover the people who live there next time clean the bath tub before you use it.

Krazi · Apr 29, 2009, 05:53 PM

WikiAnswers - If someone falls on your property do you have an obligation to notify your insurance company or can you wait to see if the person sues

If someone falls on your property do you have an obligation to notify your insurance company or can you wait to see if the person sues?

Answer
You have an obligation to read your policy and follow it. It is an agreement you made with the insurance company. If you delay too long, the policy may say that a claim is not covered if not reported within a certain amount of time, so if you wait, and get sued, the isnurance company may not have to defend you or pay for the loss.

Well its her property, you fell [ guest/renter] she needs to report it no matter the outcome.
If she is a friend she would try and help since you slipped on her oils.

ScottGem · Apr 29, 2009, 06:45 PM

It doesn't matter, you were injured in an accident on her property. Whether as a guest or tenant is ilmmaterial. Get her insurance info and file a claim.

nikosmom · Apr 29, 2009, 07:01 PM

This is what the insurance is for. Due to her negligence you were hurt.

If you know what company she has her insurance with, you can call and file the claim. The claim rep can look up the policy info using her name and address. To file a claim, you don't need to be listed on the policy and you don't need her permission.

ballengerb1 · Apr 29, 2009, 07:34 PM

You are a tenant lease or not but Scott is right to the point, it doesn't matter. If need be you can sue her for your damages, sounds like she doesn't care too much about your relationship already so don't be surprised if this doesn't get uglier

poseidon_92 · Apr 30, 2009, 01:13 PM

I actually sent a message to my regular car insurance company who also handles home insurance. They basically sd I have to prove she was negligent, and that this is extremely hard to do especially with home accidents. So in a nutshell--no coverage.

ScottGem · Apr 30, 2009, 01:43 PM

Originally Posted by poseidon_92

I actually sent a message to my regular car insurance company who also handles home insurance. They basically sd I have to prove she was negligent, and that this is extremely hard to do especially with home accidents. So in a nutshell--no coverage.

File a claim anyway. Most of the time the insurer will offer a settlement just to avoid going to court.