I know you can get a chrome tinted face shield for your helmet, but does anyone know where to find a windshield like that? Thanks.
I would consult an attorney in this matter. Your attorney will be able to review the Fire Department's Report on the fire to determine if the homeowners' were negligent and are therefore liable or maybe if there might be any liability on the part of some unknown party (for example on the part of a manufacturer of faulty equipment that could have caused the fire). If the homeowners are liable your attorney will initiate a claim by writing a letter to the homeowners and asking that they contact their insurance carrier to begin the claim process. If they fail to respond or the insurance company fails to settle appropriately, your attorney will file suit against the homeowners on your behalf. You should obtain the attorney through a referral preferably from the Bar Association, a local law school or through your local Legal Aid Society. Please do not just get an attorney from the yellow pages or television ads since these are usually not the best attorneys and might not have your son's best interests in mind. Depending on his age he needs the best possible assistance in this regards. Third degree burns are nothing to play with since they result in mostly permanent scarring, leave the area susceptible to sun burn and while they are healing are very susceptible to infection. If the homeowners are not at fault, your only other option will be the Medical Payments coverage on the homeowners insurance which usually has a limit of $500 to $5,000 (available to anyone who is not a resident of the insured household who has been hurt on the property) and your own health insurance. I hope this helps and pray that your son recovers quickly. Good Luck!
The problem in such a situation is that you cannot file a claim with another party's insurer. And you cannot sue the other party's insurer. Either your health insurance will cover costs and pursue recovery against the other party or you will have to sue the other party directly.
Depending on the type of insurance they have However most home insurances ( in Canada at least) come with Third party Liability close, also known as Civil Liability this would cover any damages they unwillingly inflict upon other, material or bodily damage. For example if a post man gets bit by a dog, and their responsibility is proven, insurance would have to cover post man`s injuries. So if your son has no life insurance, or med.insurance , or if it is insufficient, their insurer would have to cover the gap. Unless your son caused the fire ( obviously not) he should be covered. If they have no home insurance, your son could sue the homeowners for bodily damages, since the event occurred on their property ( that s why ppl get insurance with civil liability , in the first place, to avoid that) Hope he gets well soon , and all works out smoothly. Let me know if you could , how it goes with the insurance God Bless!
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