My son was injured at the bushi-ban gym. My insurance is asking how he was injured. I think they want to pass the costs to the gym's insurance. Does bushi ban gyms cover medical injuries?
car253
Most businesses have a business policy that includes liability.
Your insurance wants to get paid back if you get money from a claim. That is why they are asking.
jlf
As far as you are concerned your health insurance pays. It is asking for that information so it can determine if there is a case for subrogation (the insurer recovering it's costs from a third party).
mbrcatz
Well, there's no way to know. Most of the time, the gym won't cover an injury just because it happened there - there has to be liability or fault. It's not automatic.
So your insurer will send them a letter, and see if they have any "no fault" coverage - which they probably don't. And they'll ask you about the circumstances, to see if, for example, an employee dropped a barbell on him, to see if they can "subrogate" the claim.
lee
They will cover your son's injury but will try to recover from the Gym;s because the Gym is liable in some way. It's called subrogation.
You will have nothing to do with that they will handle it.
Orignal From: Tips: injury at bushi ban gym - does the gym's insurance cover medical costs?
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