Reply to Party guest broke wrist at DD's party. Anything i should do to help?

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[quote=Anonymous][quote=Anonymous]Whether to recover medical costs from the host or not seems to me to be at the discretion of your health insurance provider. I have, on several occasions, received a notice form Aetna, Cigna, USHealthcare (whoever we were covered under at the time) saying they could not process our claim till they received further information and asking for details of exactly where the accident occurred (was it your home, another person's home, work, school, etc.) as they were sorting out if they were responsible for the bill or if there was another party (i.e. homeowners insurance) that would be responsible. As other PP's have said, not sure about the legal technicalities, but it seemed it was out of our hands and we were to provide the info and the insurance would then determine responsibility for cost.[/quote]

Anytime you go to the ER, most insurance companies sent those subrogation, etc. type of forms.  It is my understanding that in my insurance, it is not mandatory to complete it.  I have UHC.  We have unfortunately had a few broken bones and several trips to the ER for stitches, etc over the last 5 years, and I just got tired of completing those forms.  I pay so much just to have insurance, I am not going to help them pass the buck.  Whether the school or property owner is liable for what happens on their property, and they probably are, is irrelevant to me.  I would never consider suing a friend or a school, unless something was incredibly egregious.

I would send the little girl some balloons and maybe stop by with some ice cream and a cute kiddie movie or stuffed animal.  If her wrist is broken, she probably cannot color (you need a hand to hold the paper and another to use the crayon), or do any crafting, which I know can't be done because I have broken my wrists before.  I would check in with the parents periodically but don't over due it.  [/quote]

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