1. Give owner a call, tell him you are injured and you need his homeowner insurance to pay for the injury. If he rent maybe he has renter's insurance, same thing. Both homeowner insurance and renter's insurance cover liability e.g. wrongful action by the insured.
2. Then give the insurance a call. ask for the following.
a, out of pocket medical cost. This is easily calculated. Let's say copay etc is $500. b. loss of income (time took off work for doctor's visit. your hourly rate x off work. if your time sheet is available it would be helpful. Let's say you have four doctor's visit during work week, your timesheet might show 8 hours, then 8x your hourly rate ~ $800. c. pain and suffering: this is usually 3-5 times the medical cost. note this is not your "out of pocket" medical cost, it is the actual cost doctor's office bills to you and your insurance company. This number is available from explaination of benefit (EOB) from your insurance company. The P&S is using medical cost as a basis for calculation.
Let's say you find your EOB for every hospital visits, the total bill is about $1000, you can ask for $5000 (5 times), and negotiate to probably $3000.
3. usually personal injury statute of limitation is 2-5 years depend on your state, so you have some time to finish your treatment and discuss with the insurance company.
Give them all the bills, tell them give you an offer first. But remember my formula: medical out of pocket cost + loss of income + pain and suffering at 3 - 5 x total medical cost.
一个月前某天遛狗时遇到一只大狗，大狗见到我们就扑过来，主人拉不住，松开了leash， 狗直冲过来将我撞倒，当时膝盖一阵剧痛，后来去看医生做MRI 显示半月板撕裂， 经过一个多月的休息恢复，膝盖仍然痛， 还需要做复健，一星期一次。狗主人当时留下了电话。现在我想问，这种情况怎么要对方赔偿？
我们有保险，医疗费自付额部分不算多， 几百块钱而已， 但是给我带来的痛苦， 麻烦，不便， 就不好说了， 而且还不知道半月板到底能恢复到什么程度， 一趟一趟跑医院做复健也挺麻烦的。 我们也不想找律师对薄公堂什么的，但是我认为在一医药费的基础上对方应该多付一点。请问这种情况怎么处理，谢谢！
你要多了，对方肉疼， 不愿意， 你怎么办。
1. Give owner a call, tell him you are injured and you need his homeowner insurance to pay for the injury. If he rent maybe he has renter's insurance, same thing. Both homeowner insurance and renter's insurance cover liability e.g. wrongful action by the insured.
2. Then give the insurance a call. ask for the following.
a, out of pocket medical cost. This is easily calculated. Let's say copay etc is $500. b. loss of income (time took off work for doctor's visit. your hourly rate x off work. if your time sheet is available it would be helpful. Let's say you have four doctor's visit during work week, your timesheet might show 8 hours, then 8x your hourly rate ~ $800. c. pain and suffering: this is usually 3-5 times the medical cost. note this is not your "out of pocket" medical cost, it is the actual cost doctor's office bills to you and your insurance company. This number is available from explaination of benefit (EOB) from your insurance company. The P&S is using medical cost as a basis for calculation.Let's say you find your EOB for every hospital visits, the total bill is about $1000, you can ask for $5000 (5 times), and negotiate to probably $3000.
3. usually personal injury statute of limitation is 2-5 years depend on your state, so you have some time to finish your treatment and discuss with the insurance company.
在路上。不在我家门前也不在他家门前，这种情况home owner insurance 能cover吗？谢谢您！
https://www.travelers.com/home-insurance/coverage/personal-liability
The coverage follows the person, not the property. All family member of the insured are covered under the personal liability coverage.
If you fall down in campus because of school failed to maintain sidewalk or bench, school is liable.
You have to follow the responsibility, not the owership.
Give them all the bills, tell them give you an offer first. But remember my formula: medical out of pocket cost + loss of income + pain and suffering at 3 - 5 x total medical cost.
對方的保險公司，在商言商，如果見到您只有一人應對，基本上除了您所需的醫療費用，其他的費用，應該不會太慷慨。