Step Fall - $160k bills (by Tmax [PA]) Dec 8, 2017 5:11 AM
Step Fall - $160k bills (by plenty [MO]) Dec 8, 2017 5:50 AM
Step Fall - $160k bills (by Roy [AL]) Dec 8, 2017 6:12 AM
Step Fall - $160k bills (by S i d [MO]) Dec 8, 2017 7:02 AM
Step Fall - $160k bills (by tryan [MA]) Dec 8, 2017 7:41 AM
Step Fall - $160k bills (by Deanna [TX]) Dec 8, 2017 8:16 AM
Step Fall - $160k bills (by Lana [IN]) Dec 8, 2017 9:31 AM
Step Fall - $160k bills (by Robert Phaedra [NY]) Dec 8, 2017 11:27 AM
Step Fall - $160k bills (by Tom [FL]) Dec 8, 2017 2:56 PM
Step Fall - $160k bills (by Landlord ofthe Flies [TX]) Dec 11, 2017 5:26 PM
Step Fall - $160k bills (by Tmax [PA]) Posted on: Dec 8, 2017 5:11 AM Message:
I heard from a friend that someone fall down on a step in other property, broke two legs, go to emergency room, stay in a hospital a few days. The medical bill cost about $160,000. I was surprise for the high medical bill. What would happen if the law suit against against the property more than the insurance cover? --172.58.xxx.xxx |
Step Fall - $160k bills (by plenty [MO]) Posted on: Dec 8, 2017 5:50 AM Message:
Let's not suppose that!
Medical bills can add up fast. The person should have their own medical insurance. If they are renters suppose that could impact there ability to work and pay rent.
If they are suing someone i would also assume their lawyer would only ask for what he could collect, the amount insured.
Review your insurance policy and don't loose any sleep over... Suppose and Assume and what ifs...in time as your friend for a follow up and then youll have the rest of their story.
--66.87.xx.xx |
Step Fall - $160k bills (by Roy [AL]) Posted on: Dec 8, 2017 6:12 AM Message:
Tmax,
One month ago, I had a colonoscopy in the outpatient wing of a major local hospital. I was there for 1.5 hours total. The hospital sent a bill to my insurance company for $21,000. My insurance company discounted the bill and paid the hospital $1,500.00. Medical billing is totally insane. --68.63.xxx.xxx |
Step Fall - $160k bills (by S i d [MO]) Posted on: Dec 8, 2017 7:02 AM Message:
First, a quick note on how much insurance to carry.
Insurance that won't cover more than $160K is insufficient. Liability insurance should be $1 million, MINIMUM. My goal is to always have a policy that is equal to my net worth + at least $1/2 million more.
Your question is what happens if a judgment goes over the maximum an insurance policy will pay. Any deficiency would likely be due from the property owner. If permitted by state law, bank accounts would be located, frozen, and seized. Liens would be attached to properties and the lien-holders may force the sale of the property to recoup their judgment. Other assets could be "attached" and sold to pay the judgment. Depends a lot on what your state allows. --173.19.xx.xxx |
Step Fall - $160k bills (by tryan [MA]) Posted on: Dec 8, 2017 7:41 AM Message:
Liability insurance is pennies of the dollar. A no brainer ...
Last fall I had in a rental the tenant had a lawyer send a letter to my POB requesting info on my liability carrier. I ignored the letter but called my insurer to alert them. They sent a rep to take a statement from me. Then said "call us when you get a court summons".
Sooo you can't send a court summons to a POB ... they didn't have my home address. I got "weird" calls for maintenance at the property "you must come now, now, now!!". I would show up after 5pm to nothing (working full time at the time). Then I figured they were trying to pin a summons on me so ignored the calls from this person.
Nothing came of it. This was before Gore invented the internet so your results may vary. --198.168.xx.xxx |
Step Fall - $160k bills (by Deanna [TX]) Posted on: Dec 8, 2017 8:16 AM Message:
I know someone who stumbled while bringing in groceries. She tripped and hurt her arm. It wasn't an actual break, but I think it was a cracked arm and a sprained wrist, if I remember correctly.
I want to say that was a good $10-$20k right there. Medical billing really IS insane. She was talking about how they charged her $x00 for a $20 arm brace she could go pick up from the medical supply store. She might have even bought the $20 brace and returned the hospital's and asked for the charge to be removed from her bill. And you get into the dumb stuff, like charging for tissues or aspirin or whatever. She's like, "I've got my own in my purse..."
But I can definitely believe two broken legs would go into the 6 figures.
When I was having my boys, I paid out-of-pocket to get the birth I wanted. (Waterbirth at a birth center.) It cost me $4k each for the pre-natal care (about 7 months), delivery, and post-natal care (2 months). The sonogram was extra, because I had to pay the mobile sonographer directly, but everything else was included. A quick peek at a 2013 statistic shows that:
"The average total price charged for pregnancy and newborn care was about $30,000 for a v-delivery and $50,000 for a C-section, with commercial insurers paying out an average of $18,329 and $27,866, the report found."
When people talk about needing to reform healthcare, it's like, "Insurance isn't healthcare. Insurance is insurance. Medical billing is what needs to get reformed..." --96.46.xxx.xx |
Step Fall - $160k bills (by Lana [IN]) Posted on: Dec 8, 2017 9:31 AM Message:
I have been a physician for 35 years. I used to own my own practice and I tried really hard to not hurt my patients financially. I used Walmart $4 scripts and tried to find the cheapest labs, etc. Then about 20years ago big hospital chains and corporations like Tenant and CHS began to take everything over. I left my practice because I did not want to be owned by the hospital chain that took over my local hospital. The chain moved my old practice into a brand new Medical Office Building and then proceeded to surround and destroy the practice financially until they had to sell. I warned them the new building was a gilded cage, but my partners kept thinking the hospital was their friend.
Now corporations own everything and they rack up insane charges until every encounter with medicine threatens to bankrupt the patient. The other trend is to drag out all the encounters until you spend months trying to get help. I used to see a woman with a breast lump and I could get her biopsied and diagnosed within 5 days, now it can take 2-3 months of living with fear. I spent 2 days in the hospital this April for a crazy $73,000. I am ashamed of what medicine has become, and I am glad to be leaving the mess behind soon to retire. --216.23.xxx.xx |
Step Fall - $160k bills (by Robert Phaedra [NY]) Posted on: Dec 8, 2017 11:27 AM Message:
I think the big question here is liability. WHY did the tenant fall down the steps? Was it a loose step or railing? Was there debris or something else in the way that the landlord put there? Or were they just clumsy?
You can be sued for anything. That doesn't mean you will be held liable. The tenant would have to prove some sort of fault on behalf of the property owner. --134.179.xxx.xxx |
Step Fall - $160k bills (by Tom [FL]) Posted on: Dec 8, 2017 2:56 PM Message:
Lana of IN, The other sad fact of the medical/ insurance issue is that the doctors do not make the medical decisions its someone in an insurance office with zero medical degree making the decisions IF the procedure is warranted. It's sad the government based/run insurance and one payor medical insurance is not the answer. Canada and England are good examples of one payor government run system it does not work. The powers to be here in the US are not satisfied until they mess it up even more.
The steps are the worst place for falls. How many of you have walks up a set of steps and lost your balance falling forward? I hope the set of steps that this person fell on were made properly. I have seen steps that the risers and the treads are different sizes. IF a person knows what they are doing when they build a set of steps it will be a safe set of steps. However If they make the risers different sizes OR the best one is the top or bottom riser are a different height THEN you have a tripper hence an unsafe set of steps.
At this point it's a wait and see what happens situation.
The flip side of it is too. Was the person that fell trying to carry too many things walking on the steps. What kind of shoes were they wearing could have caused them to fall. If it was an older person their eyesight could be an issue and depth seeing the steps. If this was in a common area do you have cameras for security?
--99.56.xx.xx |
Step Fall - $160k bills (by Landlord ofthe Flies [TX]) Posted on: Dec 11, 2017 5:26 PM Message:
Keep in mind, the lawyers know that anything outside the insurance policy coverage is going to be a hard battle to win. They usually steer the clients towards an easy victory, especially if it's not due to obvious landlord negligence.
The person filing wouldn't want to risk the easy million covered by insurance to go to court and risk getting nothing. That's one of the reasons insurance companies settle instead of going to court. They have greater leverage at that point to make the plaintiff settle for less rather than risking losing it all.
That being said, you can get a policy for multiple millions for pennies.
--108.69.xxx.xxx |
Reply:
|
|