quote:
OP merely asked about filing a claim for medicals because that's what it's for. If it helps cover his deductible thru his health insurer, great. Chances are his health carrier will file through his bosses homeowners to recoup their payments anyway.

Does the OP not have medical insurance?

Assuming he does, he (or his carrier) is going to initiate a claim against another insurance company to recover his damn deductible?

Do you not agree these actions raise rates for everyone?

Can't OP suck it up and pay for it?

I know, stupid concept.

quote:
The med pay and liability are there on the policy to protect the mortgage co just as much as the home "owner."

Of course. They are to protect whoever "owns" the asset. I'm not sure what this has to do with anything?

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Posted by CaptainsWafer

TD Platinum Member

Member since Feb 2006

58417 posts

Posted on 5/29/15 at 12:51 pm to VetteGuy

I can't speak for what the OP has not already mentioned. I have health ins and I have a savings account specifically for health related issues. Not everyone does and that's their issues. I do agree that claims will cause premiums to rise, but I also know there is a reason why you carry insurance.

It has to do with the fact that this is what the medical payments coverages are for on your homeowners policy. Stupid concept, I know.

ETA And he may not file a claim thru his boss' policy. We don't know. Heck, the boss may already have. He asked a question and I answered.

Maybe he doesn't have the money to pay for it. Maybe he works 60 hours a week to send his kids to private school and can't afford health insurance.

ETA ETA Should he also decline to use his health insurance because premiums might rise? If so, then why have it?

This post was edited on 5/29/15 at 12:57 pm

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