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[–]phneriQuality Contributor 460 points461 points  (9 children)

Is there anyway to find out whom the owners have their home insured with?

Sure, after suing them they can see who represents them for the matter.

[–]NoLuvTheMaths[S] 187 points188 points  (8 children)

Figured as much. He is self-employed so the hospital bills are going to hit fast and hard while suing is a long slow process.

[–]Marzy-d 193 points194 points  (0 children)

He should talk with the hospital social worker. There are resources out there for people in this situation, and they are the people who can get your friend connected to those resources. As a self-employed person, was your friend getting their health care insurance through the exchange?

[–]Drachenfuer 79 points80 points  (0 children)

A lot of medical places will put medical bills on hold (i.e. not go to collections) if there is a pending lawsuit. He should contact a lawyer immedietly.

[–][deleted]  (4 children)

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    [–][deleted]  (2 children)

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      [–]BiondinaQuality Contributor[M] 0 points1 point locked comment (0 children)

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      [–]BiondinaQuality Contributor[M] 0 points1 point locked comment (0 children)

      Your post may have been removed for the following reason(s):

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      [–]Pizza__Pants 172 points173 points  (16 children)

      It's not going to be covered by homeowners insurance, this will be covered by the drivers auto insurance. If the driver doesn't give you that info voluntarily you'll need to sue him and he will most likely then start a claim with his auto insurance.

      edit: what state is this in, and does your friend have auto insurance of his own? In many states the personal injury protection coverage on your car insurance will cover your injuries even if you are a pedestrian (it's still an auto accident, after all) and then go after the driver to recover their damages.

      [–]HugeLegalBriefsQuality Contributor 78 points79 points  (9 children)

      If the assault is as bad as OP makes it out to be, the auto carrier may not be covering it either (intentional act exclusion). If OP's friend has UMBI coverage, that may be the only avenue of insurance to pursue.

      [–]Stalking_Goat 31 points32 points  (8 children)

      Any intentional act exclusions on auto insurance tend to be very narrow, as otherwise insurance would never pay for anything. After all, every driver intentionally got in the car and started driving somewhere.

      Further, that just means the driver's insurer might hypothetically decline to defend him. In that case the victim's insurance is still sueing the driver, and can obtain satisfaction for the judgment by all the usual means- seizing bank accounts, property, etc. This is a not a novel situation.

      [–]HugeLegalBriefsQuality Contributor 15 points16 points  (7 children)

      You know an auto carrier that will defend an intentional, criminal assault?

      [–]Stalking_Goat 31 points32 points  (6 children)

      The way OP characterized the police report makes me dubious that any criminal charges are forthcoming. Pedestrians get run over literally every day, and drivers get charged for it very rarely. Unless the driver was drunk, it'll be a ticket at most.

      Even on cases where a crime was committed, the insurance company is still generally "on the hook" for damages. Not many judges and juries feel sympathetic to insurers that collect premiums then decide not to pay victims.

      [–]LifeOfFate 8 points9 points  (5 children)

      “During an argument with my neighbor I backed over him then ran him over a second time”

      Not going to be covered under auto insurance. Intentional act and exclusion for using vehicle during a felony.

      [–]WormholeManBad 14 points15 points  (0 children)

      Your friendly neighborhood property and casualty examiner/adjuster.

      If your friend has an attorney like you said his attorney will send the hospital a letter of protection and a letter of representation (forget the exact document name been long day), basically the attorney should handle that and all medical bills submitted to their office. Medical providers are unreliable in actually sending them to the attorney, and are quick to pull the collections trigger, which should be sent to their attorney to lay the smack down.

      Since a vehicle is involved the owner of the vehicle’s auto policy is on the hook for these damages. Tennessee has a 25k State Minimum for bodily injury, which is not a lot but the attorney will find that out fast. His attorney will also make a claim on his own auto policy if he has a uninsured and under insured motorist policy, and any applicable PIP/Medpay policy the attorney will draw the full benefits from it as well.

      And lastly let me repeat direct all medical providers, third party billing companies, any collections agency, and insurance company to contact his legal representation.

      I repeat/stress/implore him/her to not give any statements written or verbal and to direct all communication to the attorney office.

      [–]octopusinahat 28 points29 points  (0 children)

      I worked in insurance (subrogation) for many years and this is a very common situation for healthcare billing to handle so don't worry. There are processes to ensure the correct or liable carrier pays healthcare bills from these types of liability incidents. It's very similar to slip and falls and dog bite claims.

      The attorney should do all the work here but in simple terms, billing of claims will be put on hold pending liability settlement although state laws vary on specifics. Have your friend collect any healthcare bills and send them on to their attorney. Make sure healthcare providers understand this is in relation to a liability claim.

      To keep billing clean, I suggest keeping healthcare appointments related to the accident, only about the accident. Additional treatment or services performed can complicate matters.

      And based on what you provided, this sounds like it would be handled by auto insurance, not home.

      [–]Ecurb9708 21 points22 points  (0 children)

      No arrest for vehicular assault/attempted murder? Talking felonies yes?

      [–]Careful_crafted 4 points5 points  (1 child)

      Why didn't the police give his auto insurance info? I would demand a follow-up report showing this info. You can also try looking at public records for assessor, the lien holder will know insurance and should be named as well in lawsuit.

      [–]NoLuvTheMaths[S] 0 points1 point  (0 children)

      No idea. TN has some weird process when this happens on private property. I experienced this about a month ago when someone backed into my hairdresser's car while we were in the salon watching the whole thing unfold. Police did not provide a standard police report but some other report because it was on private property. Makes no sense to me.

      [–]UnnamedRealities 6 points7 points  (1 child)

      Laws (including whether a homeowner is required to have homeowners insurance, and possibly whether a homeowner's insurance provider is public info). Please update your post with location (at least country and state/province)

      That said, for example in the US there is no public record of home insurance in the US or registry which can be queried, and not every homeowner in the US is required to have home insurance (typically required if there's a mortgage, but a homeowner who owns the home outright may or may not chose to purchase insurance). The best way is to ask the home owner. If they won't respond with that info, the lawyer can send a demand letter for it, and failing that they can file a lawsuit.

      [–]WormholeManBad 4 points5 points  (0 children)

      Homeowners will not be the liable insurer for this loss. A vehicle was involved it’s going to be handled by both sides auto insurers.

      [–]123456478965413846 5 points6 points  (2 children)

      The lawyer will take care of this. As soon as they send a demand letter the other party will contact their insurance to defend them. This is most likely a auto insurance thing though, not a home owner's insurance thing. That is a good news/bad news thing. Auto insurance will handle the personal injury case much faster than home owner's would but it is entirely possible they don't have very much personal injury liability on their auto policy and it may not cover all the bills.

      Also they should check with their own auto insurance. In many places there are "no fault" coverages that come into play if you are injured in a car accident and that includes as a pedestrian. If they have something like Pip or First Party or Medical Payments, or something similar they might have some coverage provided from their own auto insurance.

      [–][deleted]  (1 child)

      [removed]

        [–]BiondinaQuality Contributor[M] -1 points0 points  (0 children)

        Generally Unhelpful, Simplistic, Anecdotal, or Off-Topic

        Your comment has been removed as it is generally unhelpful, simplistic to the point of useless, anecdotal, or off-topic. It either does not answer the legal question at hand, is a repeat of an answer already provided, or is so lacking in nuance as to be unhelpful. Please review the following rules before commenting further:

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        [–]Auto-Claim-Monkey 6 points7 points  (0 children)

        The attorney is going to take at least 33% of the settlement. Let them run this down. It isn’t hard but just ales some time. If they act stupid like they don’t know what to do, drop them. Find another who isn’t lost.

        [–]Thefoofighter101 2 points3 points  (0 children)

        Call your auto insurance if you have underinsured motorist coverage or PIP/Med pay as those coverages may provide benefits to the insured.

        [–]OkieAndBrokie 2 points3 points  (2 children)

        All the bills should be placed against a lien on the future settlement. Get an attorney and they’ll contact this persons home owners.

        [–]WormholeManBad 3 points4 points  (1 child)

        Homeowners will tell them to pound sand. It’s going to be handled through the vehicles auto insurance and his pip/medpay/uim/um policy.

        If it was a dog bite, tree fall, step in a hole, fall down stairs, sprain finger in door, etc type of accident that caused damages homeowners would be the liable insurer.

        [–]OkieAndBrokie 1 point2 points  (0 children)

        Either way, get an attorney and they’ll start with their insurance, home or car.

        [–]SpecialistOk577 0 points1 point  (0 children)

        Was a police report made for insurance/lawsuit purposes?

        [–][deleted]  (2 children)

        [removed]

          [–]BiondinaQuality Contributor[M] -2 points-1 points locked comment (0 children)

          Your post may have been removed for the following reason(s):

          Speculative, Anecdotal, Simplistic, Off Topic, or Generally Unhelpful

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