infront of my house, intruder attempted to stab me. i have personal injuries. doctor recommended rest atleast 6 mos.
i have both small business insurance and life insurance thru travelers and prudential.
plz advice where can i claim from?
As several posters explained neither the small business insurance nor the life insurance can assist you with a personal disability and/or injury claim. However, you still might want to check since there is a new life policy that includes coverage for disability and/or you might at least have the provision that allows you to forgo paying your premium while on disability. Another thought is that if you have a cash value life insurance policy, i.e. a Universal Life or Whole Life, the policy might have enough money in "savings" to give you a loan which will help your current cash flow situation. You should contact your agent to discuss these options.
In addition double check if you have any other short term disability coverage–the type that pays some of their specific bills, i.e. some people purchase this on their car loans, on credit cards, through their bank or even if they are members of certain trade associations.
The other options are checking to see if your city, state or county has a crime victims compensation fund–some of these funds help with medical bills, medicines, equipment and lost wages. While the amount is not usually large any little bit will help.
And consider getting a free consultation from an attorney to review your options vis a vis suing the perpetrator–this would be a real long shot in my opinion since he is probably broke but who knows. He might have just been released from a state mental health clinic and maybe you can go after the state for releasing this threat onto the public? or some other third party liability!
I am sorry that this happened to you. However, do look at the bright side you survived! And you will get over this and be stronger and more compassionate it for it.
Good Luck!
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None of those insurance policies cover disabilities.
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I wouldn’t think you can claim on any of those Insurances as it is personal Injuries. Life insurance is only payable on Death, and business Insurance covers your business only.
You can only apply for compensation with the Criminal Injuries Dept. The Police can advise you on that.
References :
Does either of your policies have a clause or covenant that pays you income in the event of personal injury? If you are unsure, contact your insurers to confirm whether you may claim.
The alternate to claiming thru the insurers is to potentially lodge a civil suit (involving lawyers) against the intruder. Seek legal advice on this before pursuing this course of action
References :
Well, your LIFE insurance, is in case you die. You can’t EVER claim on your own life insurance policy, because you’d have to be DEAD!!
Your small business insurance covers your business.
You claim from your HEALTH insurance policy. If you don’t have health insurance, you sue the guy who stabbed you. You can also see if your local municipality has a Victim’s Assistance Fund.
References :
Life insurance does not pay for medical costs. We don’t know what your "small business" insurance might or might not cover.
References :
As several posters explained neither the small business insurance nor the life insurance can assist you with a personal disability and/or injury claim. However, you still might want to check since there is a new life policy that includes coverage for disability and/or you might at least have the provision that allows you to forgo paying your premium while on disability. Another thought is that if you have a cash value life insurance policy, i.e. a Universal Life or Whole Life, the policy might have enough money in "savings" to give you a loan which will help your current cash flow situation. You should contact your agent to discuss these options.
In addition double check if you have any other short term disability coverage–the type that pays some of their specific bills, i.e. some people purchase this on their car loans, on credit cards, through their bank or even if they are members of certain trade associations.
The other options are checking to see if your city, state or county has a crime victims compensation fund–some of these funds help with medical bills, medicines, equipment and lost wages. While the amount is not usually large any little bit will help.
And consider getting a free consultation from an attorney to review your options vis a vis suing the perpetrator–this would be a real long shot in my opinion since he is probably broke but who knows. He might have just been released from a state mental health clinic and maybe you can go after the state for releasing this threat onto the public? or some other third party liability!
I am sorry that this happened to you. However, do look at the bright side you survived! And you will get over this and be stronger and more compassionate it for it.
Good Luck!
References :
Personal experience–I also survived!
Also Certified Insurance Counselor, Licensed Insurance Agent & Broker for over 29 years.