Insurance Denying Medical Bills?

by Lyn
(Westland, Michigan)

I was walking out to my car when I slipped on some ice in the driveway. I hit my head on the edge of some bricks when I fell and I ended up with 6 staples in my head.

Now the insurance keeps denying the bills, stating that they are not work related. So my question is, Can I still sue 3 months after the fact? Thanks.

Visitor Question:
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ANSWER for "Insurance Denying Medical Bills?":

Lyn (Westland, Michigan):

Your facts don't indicate whether you fell while working or at your home. If you were injured at home and carry homeowners insurance you should be covered. The Statute of Limitations, or "time period" you have to file a lawsuit in the State of Michigan is two (2) years. If you were injured at home you won't have to be concerned with negligence issues. Homeowners insurance will compensate you regardless of why you fell.

Further, because negligence isn't an issue with homeowners insurance you won't have to consider legal action. Just contact your homeowners insurance agent and file a claim. It's a pretty simple affair.

In the alternative, if you were injured while on the job workmans compensation benefits should be available. If you were walking to your car and fell, whether on your way to work or just as you were leaving, as long as you fell on your employer's property you will be covered.

Depending upon the insurance company your employer uses you may have a specific time period in which to file your claim. If you report the injury after that time you will still be covered as long as you can show there was a valid reason why you failed to report the injury. That could include a misunderstanding of the filing period, inability to understand because of your injuries, or any other number of legitimate excuses.

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.

Best of luck,

Judge Calisi

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