You just needed some breakfast cereal or a package of ground beef. You didn’t expect there to be a puddle in the middle of the aisle at the grocery store, and you certainly didn’t expect to hurt yourself when you fell.
Unfortunately, that’s exactly what just happened, and now you need to go to the doctor. Many people will just leave the store and go seek medical treatment if they break an arm or suffer another injury after falling.
After all, they have their own health insurance and don’t want to delay getting care. What people don’t realize is that if they get hurt in a slip-and-fall accident, their health insurance might leave them with a lot of bills.
Even a broken arm can be expensive
Even if you realize you broke your arm when you fell, you may want to see a doctor as soon as possible. Stopping to file a report with the manager on duty at the store may seem like a silly and unnecessary delay. However, even if you have private health insurance, a broken arm could cost you thousands of dollars.
Setting a broken arm can cost around $2,500, which you may have to pay out of pocket if you haven’t yet met your deductible. If you require surgery, you can expect your costs to increase more than six times. Surgical care for a broken arm can cost $16,000 or more. After meeting your deductible, you could have to pay 20% or more of that price in co-insurance.
Then, there are your lost wages to consider. If you can’t do your job with an immobilized arm, you may need to take eight weeks or even more off of work during your recovery.
You shouldn’t have to suffer financial losses from a fall
If you report your fall before leaving the store, you may have the option of filing a premises liability insurance claim. That claim could cover not only your medical expenses but also possibly your lost wages and any property damage, as you may have broken your phone when you fell.
It can be harder to get coverage if you don’t speak up. If you don’t notify the business about your fall when it occurs, you will have a harder time making a claim against their insurance or taking them to civil court for negligent maintenance later. Reporting your fall will create a record at the business that affirms that you got hurt while visiting there. If you speak up, the business will be more likely to retain important records, like security camera footage from when you fell.
Understanding how to protect yourself when you slip and get hurt at a store can help you handle a sudden accident better.