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  1. #1
    Join Date
    Jan 2010
    Posts
    9

    Default Neighbor Fell Off His Ladder on My Property to Help Trim Trees

    My neighbor helps my mom trim trees. He helped us couple times before and we always pay him afterwards. Today, my mom asked him if he can help trim tree and he said no problem. He says our ladder was too short so he decided to use his long ladder. He climbed and fell off because the ladder was long and not stable. His daughter called 911 and they sent him to hospital.

    He is 70 years old and has Medicare and Medical insurance. My question is if we are responsible for anything. If yes, what portion?
    Thanks you!

  2. #2
    Join Date
    Mar 2007
    Posts
    9,085

    Default Re: Neighbor Fell Off His Ladder on My Property to Help Trim Trees

    Your home owner's insurance will cover any out of pocket expenses he incurs due to the accident.

    in addition, your insurance may also be responsible for reimbursing the state aid he will receive.
    All you need in this life is ignorance and confidence; then success is sure.
    - Mark Twain

  3. #3
    Join Date
    Jan 2010
    Posts
    9

    Default Re: Neighbor Fell Off His Ladder on My Property to Help Trim Trees

    What happens if I don't have one?

  4. #4
    Join Date
    Mar 2007
    Posts
    9,085

    Default Re: Neighbor Fell Off His Ladder on My Property to Help Trim Trees

    Quote Quoting rhap4boy
    View Post
    What happens if I don't have one?
    If you don't have insurance, your liability doesn't change. You just have to pay the expenses out of pocket.
    All you need in this life is ignorance and confidence; then success is sure.
    - Mark Twain

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