Wednesday, June 1, 2011

Her mouth accidentally met his elbow. How should the dental bill be paid?

She bent over to pick something up, he was facing the other way, she came up quickly while his arm was coming down. POW! Right in the kisser. Cracked tooth = damages at $5000 (she wants an implant). They are lovers out of convenience, with no plans for a future together, in fact, relationship was about to end. She wants him to look into having his homeowner's insurance cover it. What is the right thing to do?
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Well, it would be a nice gesture on his part considering their financial situations. On the other hand, his rates will go up and it seems like a dental insurance situation - at least that's what his home owner's agency will argue. If she has medical/dental, why isn't she using it? Isn't that what its for? If not, well, I don't see why he should be required or compelled shoulder the entire thing if anything - it was an accident that she was just as much a part of. $5000.00? No way is an insurance company - home, dental, medical or any other going to accept that payout. They will maybe cover the minimum to fix the problem - and in this case they would be right to fight it. That's like - hey, you put a minor dig in my car door in the parking lot - I want a new car. WTF?
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