So, during the start of the last leg of the T500 this year, A wave launched my boat into the air, and subsequently me, and when I landed funny on my right knee and got a grade 2/3 MCL tear.
So I go see the docs 2 weeks later because it wont get better. I get a knee brace, xrays, etc...
Turns out that - I keep getting mailers from my Insurance Companies' legal department - asking me to provide them with more information regarding my injury.
We have tried to contact you regarding the nature of your injury in an effort to find out if the injury was caused by someone elses negligence or lack of responsibility blah blah blah...
I usually shred these as soon as I get them, because as far as I'm concerned, its nobody's fault but my own damn one for getting injured, and my insurance company's blatant attempt to chase the ambulance in an effort to recoup their costs is not going to be put on anybody else - especially the organizing authority who I am dear friends with.
For the answer to
Did your injury take place on someone elses' property?
I answered,
I don't know, is the Atlantic Ocean 'someone elses' property'?
Am I being paranoid about this or is this SOP in these types of things? I've never had my insurance company come to me like this before with a law firm letterheaded questionnaire.
it is SOP.... They like to offload the payment responsibility! Work comp, liability or otherwise....a lot of insurance companies make you submit an annual affidavit that you are not covered by Medicare or are eligible for other health plans...if you are, they will try to shift the burden of payment!
Wow, i guess those roto-molded cats are tougher than i thought (kiddin)
Yes, that's standard. Last year, I got in the way of a falling tree on my property and got asked the same questions a few months later. I told them
No
it wasn't anyone else's fault, and that was the end of it.
Hope this helps.
Mike
Oh yeah - Even with my imjury comp claim for my shoulder I get letters. Nothing before my surgery but afterwards it is like I made a mailing list. I suppose the used car salesmen will be hitting me up soon they are next on the food chain. It makes good lining for the bird cage though.
Here's a good one... My friend's (best man, actually) house had a car drive into it the other day. Fortunately, no one was home, and the driver was unhurt (she swerved to avoid a deer, drove through the kitchen instead).
Anyway, the house is fairly small, and has major damage. It probably should be totaled (2-story house, pushed off foundation, the roof is collapsing and every day, there is more damage such as cracks spreading, tiles, walls and ceilings cracking in new parts of the house, etc.).
The insurance company has sent two different contractors to provide estimates. BOTH of these clowns said that no load bearing walls were affected. Are you sitting down? This house only has one interior wall, running right down the spine, holding up the second floor!!!
I think he's in for a long fight with a bunch of morons.
Mike
What tack was the deer on?
What tack was the house on????? <img src="<>/smirk.gif" alt="smirk" title="smirk" height="15" width="15" />
Insurance companies are good at collecting premiums and saying you need to increase your coveerage. Then when you have an incident you find you it is excluded from coverage. Sept 10, 2002 I had an employee drive a company vehicle into my office. When I called my auto insurance carrier I found out I was not covered at first because she hit our office. I then called our liability carrier, similar exclusion. We finally were covered only because we rent the inside square footage, not the exterior of the building. Sometimes you have to find your own loop holes. It's a good thing he did not hit his own house.
Tort reform anyone?
This happened near Newport. With the prevailing wind, the deer was probably on starboard. Regardless, the driver did the right thing and avoided collision.
However, the house was an obstruction. She failed to avoid collision with the obstruction, so she must have broken a rule.
Eric, are you reading this???
<img src="<>/smile.gif" alt="smile" title="smile" height="15" width="15" />
Mike
would you have been covered if your office hit her instead?
I got one of those letter about my sons yearly school appointment,two pages of detailed questions-@@#$%%s
I got similar letters for back issues I have. Pushing my 6.0 on the trailer in my yard set off my lower back. A couple of years later a new Dr. orders an MRI, we find the disc is messed up. Then I start getting the lawyer questionnaires asking for clarification on how it happened. I wasn't sure if they wanted to go after my boat or homeowners insurance. I threw two of the letters out, then my company changed insurance and that ended it. The lesson I learned is to avoid giving the history on how it happened. Just say
I don't know, it was just sore when I woke up this morning...
!