Dallas, TX · Member since 2015 · 27 posts · 1 vote
Tenant has moved out 30 days ago. Today received a text message from a lady saying she had a fall in my property when it was rented to that tenant. Tenant's insurance has assisted her. Now she is still not well and need medical care. She wanted me to provide her my insurance info so she can make a claim.
What should I do? Shall I give her my insurance info, and contact my insurance provider? or ignore this text message waiting for further formal request?
Tenant has moved out for 30 days. I was never aware of this fall. My house is in a good neighborhood and in good condition built in 2005.
Thank you for your insights/expertise/suggestions!
Get her info and pass it on to your insurance company along with what you have been told happened. You have a legal obligation to inform your insurance carrier of any potential claims.
So much of this sounds sketchy. Talk with a lawyer and your insurance agent before responding to her, @Nancy Wang. Seeing as this is at least a month since the "incident" and it's the first you're hearing about it, I'm very skeptical. If there's no proof that this person hurt themselves on your property AND there is reason for you to be held liable, your insurance isn't going to pay a penny. Also, I would expect that your tenant's insurance company would have been in contact long before this.
This sounds like a scam, if you haven’t heard about the incident until now, I wouldn’t acknowledge the complaint. Sounds like this person is fishing...
I talked to the previous tenant. The incident happened in January. The lady slipped on the detergent on the laundry room floor. The tenant's insurance has assisted the lady. I don't understand what my fault is here. The lady is very persistent to text me a few times every day. I don't know if I am obliged to provide my insurance to her, or wait for a formal request like a lawyer's letter. Shall I contact my insurance now?
Get her info and pass it on to your insurance company along with what you have been told happened. You have a legal obligation to inform your insurance carrier of any potential claims.
Pass her information on then do not think of it again until contacted by your insurance company or your lawyer. If you receive a letter from a lawyer (for her) pass that onto your insurance company. They have walls of lawyers who are trained to handle this sort of thing. Putting yourself in the middle is one sure way to say or do something that causes a much bigger headache.
@Nancy Wang Contact your insurance provider and let them know-also that it was your tenant's fault and you knew nothing about it until now. Send them your former tenant's letter which shows you when you were notified and then let them deal with it. You can't be blamed for something that was caused by a tenant...okay maybe you can be blamed, but you are not responsible.
@Nancy Wang As an insurance agent I’ve seen many of these do this or else situations. I would ignore it because more than likely it is not a legitimate claim. On the off chance it is legitimate that person will go through the proper channels and you will receive a notice/suit. If that happens call your insurance agent and lawyer to figure out your options.
@Nancy Wang As an insurance agent I’ve seen many of these do this or else situations. I would ignore it because more than likely it is not a legitimate claim. On the off chance it is legitimate that person will go through the proper channels and you will receive a notice/suit. If that happens call your insurance agent and lawyer to figure out your options.
Would blocking this person on your phone be acceptable?
@Nancy Wang As an insurance agent I’ve seen many of these do this or else situations. I would ignore it because more than likely it is not a legitimate claim. On the off chance it is legitimate that person will go through the proper channels and you will receive a notice/suit. If that happens call your insurance agent and lawyer to figure out your options.
Let me start saying i am not a lawyer, so its a common sense opinion only.
You described that she has told you she slipped due to detergent your tenant left on the floor. Having said that you have NO responsibility on what happened. Using YOUR insurance would be a fraud. But.. this is a country built for and by lawyers...
I would call my insurance and let them know exactly what happened, including what she told you.