Thanks for your question and good evening.My sympathy here for your situation and dilemma.Did you have homeowners coverage here??
Can you give me some more information so I may assist you tonight?
So they are seeking to find out if you have coverage.Likely the other parties filed a claim on their insurance.Subrogation means they are going to try and blame you here and their insurance is going to try and collect anything they have paid out.You would want to pass this on to your insurance.
They would then be obligated to defend you in court if you get sued and pay any claims if they find you were at fault.
If this man was seriously hurt this may be a serious claim here.Your insurance may dispute liability in the matter.Also it is possible that workers comp may be involved and this They would have to sue you here and recover a judgment to then have a judgment lien on real property assets.
You definitely want to involve your insurer here as they have to represent you in t his matter and pay claims if you are liable.
This has not been determined that you are in fact liable at this point.
Your insurance may decide that you are not liable after they investigate it.
But it is important to timely report this in writing and get a claim number from your carrier or case number.
Hopefully it is not too late here.
I would do this asap.See if you can call it in on
Monday morning.Make sure you get a case number/claims adjuster here.
I am so sorry that you are having to go through all of this.
Again no liability determination has been made here.
The employer is likely to be liable rather than you unless they can show you were negligent here.
But definitely report it and go from there.I would also tell you to try and take pics and gather information if you can.
It will be helpful to your adjuster and may help them deny a claim if you were not at fault.
You should still be able to report this to your carrier.
This would be less than 30 days since it occurred even on
I appreciate the chance to chat with you tonight.Please let me know if you have more follow up.Thanks again.
I hope that you will be so kind as to leave a positive rating. If you do have any additional questions about my answer please click the "Continue Conversation Link" so I can provide you with a fully satisfactory answer. Please be aware that any rating of 1 or 2 is reflected as a negative rating and I receive no credit for my answers.
This communication does not establish an attorney client relationship here.Information providedis not legal advice. Rather it is simply general information.
I think this will all be resolved between carriers, this is why you have such coverage.Things like this happen unfortunately.
Remember no liability determination has been made here.I would contact your carrier and not give out any more information to this Claims Service bunch.You are not obligated to give them anything other than a contact number and policy number.Remember these guys are not necessarily your friends they are seeking to pass the buck onto your carrier.Any statements, etc will not be to your benefit.
Once you have turned this over to your carrier your carrier may want a statement from you, that way they may use it to deny your liability in this matter.
This may drag on a bit while the carriers debate liability and investigate it.
They usually have a mediation type arrangement if liability is disputed.Good luck here and thanks.
If you can leave a positive rating it is much appreciated.
Have a good weekend.
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).