Q: My under age kid was hanging out with his cousin on our property driving an ATV
we own and the cousin was hurt - my sister-in-law is now demanding money to pay the medical b/c she says insurance won't pay - can that be right?
A: Her health insurance should pay. However you should notify your homeowners of the claim, and be guided by what they tell you.
A: There are a number of issues that could be involved. The parent of the injured child may claim that there was no parental permission or knowledge of the activity. The parent may also claim lack of supervision. Even if there was permission and no apparent lack of supervision issue, the homeowner's insurance may provide coverage under Medical Payment insurance which may apply regardless of fault. You can check with your homeowner's insurance company.
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