If someone was riding a family pet horse and was thrown off and went to the hospital. Would the owner of the horse be able to have their homeowners insurance pay for the medical bill that the injured party's insurance is billing them for?
it was me who was thrown and it was my family's horse....so would my health insurance end up paying for it or her homeowners?
Judy
If it wasn't a member of your household who got thrown, the liability part of your insurance might cover it. Talk to your agent.
mbrcatz
It's not that simple.
The homeowner can't "have them pay all bills". It's not a voluntary thing. The only "no fault" insurance on the homeowners is medical payments - which can be as little as $ 250, or as much as $ 1,000.
Additionally, where you live matters A LOT. Some states, like Texas, have laws that say, hey, if you get on the back of a horse, you risk being thrown. If you get thrown, or fall off, you can't sue the horse's owner, because, hey, YOU got on the horse!
If it's your family's horse - someone you live with, then your homeowners won't pay for your injuries no matter WHAT state you are in.
You should file this with your health insurance. And stop riding horses.
teenautoinsquote
You are trying to ride the wrong horse here- the insurance company will not pay on a home-owners policy if you are injured riding a horse.
The personnel liabilty portion of the householder policy would pay if a third party was injured at their premises - that is if the horse would have kicked a vistor.
You will have to take the claim frim medical insurance policy. In most states this would not be covered under liabilty also if one is injured whilst riding a horse since this would be a risk you are prepared to take.
MSAD
In order for your families homeowners insurance to pay, there are 2 conditions that have to be met. 1. the horse owner family has to have been negligent. And their negligence caused your injury. And 2. you can not be a resident of the house hold.
Just falling off a horse does not make them negligent.
Equestrian sports are inherently dangerous. There is always a risk of falling. The legal concept is "Assumption of Risk". In short, it says that when you engage in risky behavior and are hurt as a result....you saw the risk and you assumed responsibility for it. I've been thrown a couple of times myself. It's not fun. But it's also a hazard that is a part of the sport. When you decide to climb on the back of a 1500lb animal with the IQ of a 3 year old human....falls and thows happen from time to time.
The horse owner can not have their own homeowners pay for their own medical bills. That's because you can't go into court and sue yourself for your negligence that caused your own injuries.
You will need to turn the bill into your health insurance.
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Citation Details
Title: MS: failure to 'turn' burn patient properly?: Court affirms judgment for defendant-hospital.(Mississippi)
Author: A. David Tammelleo
Publication: Hospital Law's Regan Report (Newsletter)
Date: June 1, 2006
Publisher: Thomson Gale
Volume: 47 Issue: 1 Page: 3(1)
Distributed by Thomson Gale
List Price: $ 5.95
Price: $ 5.95
MS: failure to 'turn' burn patient properly?: Court affirms judgment for defendant-hospital.(Mississippi): An article from: Hospital Law's Regan Report
Orignal From: Tips: Is this negligence for insurance purposes?
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