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We also now have insurance in place to protect us and the AirBNB guests but I tend to think of the possibility of a claim as a worst-case-scenario when someone is money-grubbing and seeking to exploit a situation. You are telling me that rather than a worst case scenario, this is standard operating procedure which I’m greatly troubled by. I would never make a claim against a friend or colleague’s home insurance – that would make their insurance increase.
Maybe the elderly mom should be wearing special no slip-shoes or stop dining at other peoples’ homes since she knows she’s frail and has balance problems.
Yes, it sounds terrible and perhaps she may have needed to take extra precautions to take care of herself given her frail state. I don’t consider marble flooring to be responsible for her fall. I consider her failing health and condition to be the crucial variables and it’s terrible that her friend had to toke legal and financial responsibility for this. Terrible for everyone.
Ours is even higher, but the problem is, once you file a claim your rates go up and you run the distinct possibility that you become uninsurable. Of course, other States might be different, but that is what we hear around here.
sigh
I like to feed people. I will still invite them to dinner. This is concerning.
My Cow response was purely that of an entitled UK citizen, entitled by the existent of our much maligned “socialist” health care system, even if it’s being softened up for privatisation by the so called global HC providers. Ahem… Actually, I really felt for the Op in her current horrid circumstances, who surely felt quite threatened.
This isn;t something for the homeowner to deal with unless they are admitting fault.
Let the insurance companies sort it out. The person that fell down the stairs insurance company will get in contact with the home owners insurance company if they think their is liability.
As Airbnb states that their Host Protection Insurance is the primary liability coverage, I believe that the host and guest should be dealing with Airbnb.
Can you imagine a friend coming over bonking their head on a door and filing a HO claim?! I would go mad at the pettiness!
As for the car accident analogy, I was a pax in a fender bender situation, my friends insurance company proactively offered me $$$ to release liability. I thought nothing of it and neither did the friend.
I started to imagine the worst possible scenario: someone falls and injures their head or spine so severely that suddenly $1M doesn’t seem like enough.
And get a friend to video it. I assume the video will show you not falling. Unless she is a forensically certified medical specialist she also cannot state this she ‘knows’ this is why it happened. Do people have no personal responsibility anymore? I fall over all the time. Never made a claim in my life.
Your health insurer ( or any insurer) can seek payment from another insurer that has primary responsibility – a liability insurer if you are liable in this case… Theoretically that lowers costs to the health insurer and maybe the premiums won’t go up so fast (haha). there are some people (not anyone posting here) who would try to keep both the health coverage and a liabiiity claim settlement, getting double coverage, raising costs all around.
All of you who think it’s wrong to make a claim on a homeowner policy; if you accidentally burned down someone’s house would you pay to rebuild the house so that their insurance premium wouldn’t increase?
