Getting injured at a family member's home can be complicated, particularly if your family member was negligent in repairing or caring for the home. However, there are a few things you can do to keep your family bond strong while also getting the care you need. Here are a few things to consider should you become injured at a loved one's home.
Seek Medical Attention
No matter what type of injury you sustain, getting medical attention should be your first step after getting hurt at a loved one's home. Present your health insurance card at the time you are seen in the emergency room or urgent care center, even if you plan on filing a claim with your relative's homeowner's insurance company later on; this will help ensure you get the care you need right away. Once you have been seen by your medical care professional, be sure to keep a copy of your discharge and care instructions, as you may need them in the future.
Discuss Insurance Information
One of the reasons people purchase homeowner's insurance is in case there is an injury on the property. Asking your relative for his or her insurance information should be an easy thing, but sometimes families can be complicated. If you don't feel comfortable asking, consider having another family member act as an intermediary; this may help to relieve tensions. Remember to remain calm and to avoid making any accusations. The insurance company and/or your lawyer can help determine liability. You don't want to make an uncomfortable situation worse by making accusations or starting arguments.
Hire A Personal Injury Attorney
You don't have to be planning a lawsuit to hire a personal injury attorney. In fact, an attorney can help advise you how to handle this delicate situation without having to resort to litigation. He or she can help you file paperwork and determine how to approach your case in general. Of course, if your relative does not have insurance, or if there are extenuating circumstances, your lawyer can help you seek the compensation that's appropriate in your case.
You may want to consider the severity of the injury when determining whether or not to file an insurance claim. If you haven't missed a significant amount of time from work, you haven't suffered a reduction in quality of life, and your health insurance company will cover part of your medical bills, you might be better off avoiding an insurance claim. However, you don't need to make that decision alone. Work with your attorney to determine the best course of action.
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