My step son was helping his friend split wood on his friend's mother's property for their house. His friend hit the release button on the log splitter too soon causing my stepson to loose the upper portion of his right hand middle finger.
He has no insurance. It was an accident but who is responsible for his medical bills? Would the homeowners insurance liability coverage take care of it? Thank you.
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ANSWER for "Finger Amputation Caused by Log Splitter...":
T (Muskegon, MI, USA):
There is a good chance your stepson's friend's mother's homeowners insurance may cover the damages. Contact the mother and ask her for the name, address, policy number and telephone number of her homeowners insurance company. Hopefully she will cooperate.
If she does then contact the insurance company. They will assign your claim to one of their investigators called a "Claims Adjuster". The Claims adjuster should contact you within a week or so of your reporting the injury. She will probably have already taken a statement from her insured (the mother) and her son. When you are contacted the adjuster will probably ask your permission to record the telephonic conference. The recorded statement is a normal part of the process.
Be sure to ask the adjuster for the "Claim Number". That number is the reference for your son's case. It's important for you to keep the claim number handy. Anytime you make contact with the insurance company the first thing they will ask you for is the claim Number.
If your son has stopped treating you can attempt to settle the case at this time. Normally requesting 3 to 4 times the amount of your son's medical bills will be a good settlement amount.
If the mother won't release her homeowners information, or the insurance company denies your son's claim you can always consider legal action.
The above is general information. Laws change frequently, and across jurisdictions. You should get a personalized case evaluation from an attorney licensed in your state. Find a local attorney to give you a free case review here, or call (888) 647-2490.
The accuracy of information provided on this site is not guaranteed. It is generic information for informal purposes only. It is NOT formal legal advice. Your use of this site does NOT create an attorney-client relationship. Before relying on any information found in this site you should consult with a licensed attorney in your state. If you are currently represented by an attorney, you should strictly abide by his/her counsel.