In My Home, In the Kitchen, With a Steak Knife

[Hassin Bin Sober]

17. I suspect they present the generic categories and any answer other than your own home...

... may raise further questions.

If your finger was sliced open as part of an auto accident they may want to bill the auto insurance of the OTHER driver. I can't remember if the medical portion of my auto policy covers me?

Even if you sliced your finger at a friend's home, they, or their insurance, are not automatically liable. You, or your insurance company, would have to claim some sort of breach or reasonable care or safety measures. Say if the knife was in disrepair and missing a safety grip.

I have a friend who has some bizarre obsession with "suing" people. She's never really done it but she always makes weird comments when she visits. She'll be walking down the stairs and say "If I fall you know I'm suing your condo association".... I have to remind her that just because she enters our property that doesn't mean I become her insurance company. If you fall on my stairs because you are a dumb-ass, you are on your own. If you trip on un-fastened carpet or if a railing breaks, then you might have a claim.

With increases in internet technology and reporting, insurance companies are scouring court filings and rulings for potential settlements awarded to people they have paid claims to.

Also of note. When you hear sensational stories of so-and-so suing so-and-so in some bizarre or "frivolous" fashion it's often the insurance companies pulling the strings requiring suits be filed. Say you DID cut yourself at a friend's kitchen and required $200k in re-attachment surgery or something drastic. Your insurance carrier might force you to sue your friend's insurance to recover their losses. And Fox News might get a hold of the story blaming YOU for filing a "frivolous" claim since it was you who cut your own finger off...... and now everyone should vote republican so we can get us some "tort reform"