My daughter broke her leg at my sister's house playing tag with the other kids. She tripped and broke her tibia. Her health insurance sent us a questionnaire and also wants to see if there might be a third party responsible. It asks the date of injury, where it happened, property address, homeowners association if any, etc.
It was truly an accident and I would hate for my sister's homeowners insurance to increase because of this. What should I do? How can I prove it was just an accident?
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ANSWER for "Health insurance asking third party to pay...":
Your child's health insurance cannot pursue a claim on its own against your sister's home owners insurance without your initiation, approval and consent. It would be your claim to pursue, if at all. I would advise them that you are not interested in submitting a claim to the third party and that the situation was an accident.
It sounds as though it was an innocent situation for which liability would not flow anyway, but you need to make it clear that it is not your intention to pursue a third party claim to your sister's home owners insurance. Without you, there is no claim.
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