What if someone injures themselves at…

Not sure what the right answer is, but does this family member not have medical insurance?  I would think with a family member, offering to pay any out of pocket expenses woudl be the end of it.  I would hope the person would talk to you about it before taking the drastic measure to sue.

I broke my wrist last summer at my parents’ house. The ER asked me multiple times about the location and documented it each time. I told my parents to let me know if they ever heard anything from my insurance company, but they never did.

Strangely, in the course of multiple doctors, nurses, X-rays, and techs over the course of 8+ hours, I never once was asked if I felt safe at home or if my DH was involved (he wasn’t—I tripped over a pile of laundry). That’s the first question ever asked in a military treatment facility and I would have been separated from DH in triage when they asked.

Hopefully your home owners insurance should cover his bills.

Yes, he can sue. Yes, he can submit a claim on your homeowner's insurance. This is one of the reasons you carry insurance.

I would not call my insurance unless the issue is brought up. If you call they will write it up, even if he never makes a claim.

In it were my state, his insurance company would send him a questionnaire about what happened and where. The insurance company will then try to subrogate against your homeowners insurance if they think they can blame it on the condition of your property. I first came across this about 20 years ago.

I feel like previously, your insurance would pay your claims and just assume it would all even out somewhere down the road. I think it is pretty shitty. An accident can happen on someone's property without it being the fault of the homeowner.

Having worked in insurance for a number of years, and yes they could sue and /or file against your homeowners insurance but that doesn’t automatically mean that they will win or collect. They would have to prove that there was some sort of unsafe conditions that caused the injury. Sometimes accidents happen and no one is at fault.

In all the years that I worked in insurance I only ever heard of one liability homeowners claim filed in our office and that was only because the homeowner felt bad that her friend was hurt somehow trying on clothes at her house.

DD fell off a swing at my brother’s house when she was 3 years old. We were asked what happened in the ER and told exactly what happened…a normal kid activity, a normal toddler fall, everything normal-no negligence on our part or my brothers. My insurance company chose subrogation and contacted their homeowners insurance. To be honest it caused hard feelings from my sister in law for several years. It was not anything we intentionally did-it was just the process of how insurance worked. Please don’t make this into a family issue with your BIL.

He may not have a choice. His health insurance may choose to try to subrogate your home owners insurance to cover the costs. I frequently get letters from my health insurance regarding my daughter’s care and asking where the injuries occurred — she has health conditions which have led to multiple surgeries

This was my initial thought too. Unless there’s no railing or some other hazard just having wooden stairs shouldn’t be considered dangerous. People are dumb. 

This is partly why I always ALWAYS have on some type of footwear in my house. I think even carpeted stairs can be slippery when all you have on your feet is socks.

The thing is, if the person has health insurance with a high deductible, the out of pocket costs could still be in the thousands of dollars. I think with mine, we have something like a $7500 individual deductible with a family cap of $13-15K. If I had to be hospitalized or have surgery, that one incident would easily run up the bill to my max deductible.

This is just one more reason I carry a $1 million dollar liability policy. My financial advisor recommended it when we had teen drivers. It's surprisingly inexpensive, around $300/year.

I fell down the stairs at the home my DD rents a room in. My health insurance paid the hefty ER bill, and never bothered her stupid landlord. ( I’m only calling her that because that’s the only thing she cared about. Not that I was hurt. )

He did die by falling in the shower. He was in Brussels. He was formally of Train though. He left the band 20 years ago. It looks like he was alone and may have been there several days. Very sad.

Have recently wondered this with my daughter. They have downed trees that someone could cut for firewood, someone could even cut it and sell to me maybe as we use wood heat. However we're hesitant to post on fbook or whatever because what if an ordinary, but good, person comes to cut them them gets injured. Son in law said you can have them sign a paper releasing you from responsibility of injury while on your property but is it that easy?