Who is Liable?

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You get damaged while loading through the Venue's Kitchen. Who should pay?

  • The Venue

    Votes: 9 100.0%

  • Your Insurance

    Votes: 0 0.0%
  • Total voters
    9
ahoustondj

ahoustondj

DJ Extraordinaire
Aug 13, 2007
20,235
3,464
Texas
Lets look at this scenario. I know we are not Lawyers here but what comes first to your mind if this happens.
You are instructed by the Hotel venue to load in via the Kitchen. On your way through the Kitchen pushing your Dolly/Rock n Roller, you slip on some grease on the floor and damage some equipment and hurt yourself. Who should pay/ be responsible for the payment of Medical Charges etc, the Hotel or your Insurance? Why? Vote in Poll
 
Venue
 
Dan Hutter said:
Your insurance should pay immediately then go after the venue for damages.
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NEVER EVER ask your Insurance Company to pay and then be reimbursed. It will then end up as a Claim, even though you may not be in the wrong and they may get their money back (You are making them work, that is a cost by itself). You can report it to them, just in case but always let the wrongful party do the paying! Advice given to me both by an Insurance Broker and a Personal Injury Lawyer. It can negatively affect your premiums going forward.
 
Regardless of who pays I'm much happier not getting injured in the first place. I think I'll commit myself to be more careful and avoid slipping. :)
 
Proformance said:
Regardless of who pays I'm much happier not getting injured in the first place. I think I'll commit myself to be more careful and avoid slipping. :)
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We all would like to think that way Bob, but accidents do happen.
 
ahoustondj said:
We all would like to think that way Bob, but accidents do happen.
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I tend to think: "accidents are waiting to happen" ...which means they are nearly always avoidable.

Didn't Freud say: "there are no accidents." ;) Why "grease" ..?? what is the symbolism here? .. What are you really slipping on..?? ..can you describe this "equipment" ..?? LOL.
 
I chose grease because most Kitchen floors are tiled (For easy cleaning) and therefore lends itself to a slippery surface. The wrong type of soles on one's shoes can also compound that dilemma. Grease is a constant safety concern as oils mix with vapors while cooking and since it does not entirely vaporize like water, it falls back unto the floor to create a build up.
 
I chose grease because most Kitchen floors are tiled (For easy cleaning) and therefore lends itself to a slippery surface. The wrong type of soles on one's shoes can also compound that dilemma. Grease is a constant safety concern as oils mix with vapors while cooking and since it does not entirely vaporize like water, it falls back unto the floor to create a build up.
 
I see it was Canute who fell he's repeating posts. I'd head to the ER Canute better safe than sorry :D:D:D:D:D:D
 
DJ SVO said:
I see it was Canute who fell he's repeating posts. I'd head to the ER Canute better safe than sorry :D:D:D:D:D:D
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At least I did not make a poll of this one! :tribiggrin:
 
I voted before reading the following post. The poll said you get damaged, the post indicates negligence, so change mine to venue.
 
ahoustondj said:
NEVER EVER ask your Insurance Company to pay and then be reimbursed. It will then end up as a Claim, even though you may not be in the wrong and they may get their money back (You are making them work, that is a cost by itself). You can report it to them, just in case but always let the wrongful party do the paying! Advice given to me both by an Insurance Broker and a Personal Injury Lawyer. It can negatively affect your premiums going forward.
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Speaking in car insurance terms, I never asked my carrier to cover me but I had full coverage (comp/collision). Drunk hit me and totaled my truck. My insurance kicked out book value minus deductible plus medical bills. My carrier then went after the other guys carrier for everything they paid out on my behalf due to their idiot insured. I personally went after the other guy for the deducible plus pain and suffering which his insurance wound up paying out anyhow.

You pay your premiums with no questions asked the least your carrier can do is a little leg work on your behalf.
 
Dan Hutter said:
Speaking in car insurance terms, I never asked my carrier to cover me but I had full coverage (comp/collision). Drunk hit me and totaled my truck. My insurance kicked out book value minus deductible plus medical bills. My carrier then went after the other guys carrier for everything they paid out on my behalf due to their idiot insured. I personally went after the other guy for the deducible plus pain and suffering which his insurance wound up paying out anyhow.

You pay your premiums with no questions asked the least your carrier can do is a little leg work on your behalf.
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Like I have stated before. Different States have different rules, different people do things their way. I am going by recommendations of an Insurance Broker and what he said makes sense. A claim is like a statistic in your file. My last incident in October (The settlement should be completed in about one more month) entailed Car Repairs at my Car Dealership (They, the other Driver's Insurance, sent me the entire check including deductible). Medical Care and other expenses are being paid by them too. Neither I nor my Insurance company had to spend any money and I was not inconvenienced. If my Insurance had paid what I wanted up front and then the other company disputed the claim....then it would be very possible for my Insurance to settle the difference to save time and resources. Guess whose hide would pay for that in the long run?
I would only have my Insurance pay only if the other party is uninsured.
 
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