In My Home, In the Kitchen, With a Steak Knife [View all]

[iwillalwayswonderwhy]

Back in November, I was trying to open a bag of frozen vegetables and couldn't get the bag to tear open, so I grabbed a steak knife, pushed it into the bag, the knife slipped, and plunged into my thumb.

Went to the e.r. and got stitches. No biggie.

I got a letter from a third party company on behalf of my insurance company. They wanted to know if the accident happened at someone else's house, in my car, at work, or at my house. The letter stated that they are checking to make sure that another insurance company shouldn't be billed for the accident. I don't mind that, on the one hand, I think it's probably sensible. Having said that, it was something I have never seen before, and my first thought was that it was my insurance company trying to find an angle to weasel out of paying.

But I am wondering if I had been visiting someone, and cooking in THEIR kitchen at THEIR house, if my insurance company would have expected their insurance to pay for the injury. Thing is, even if I was at your house, it was my own stupidity that plunged a steak knife into my thumb, no matter where I happened to be at the time.