Location: FL
My niece recently had a fall inside her home from a doorway swing. My sister took her to the emergency room to have her checked for internal head injuries. None were found, and she made it out with a bruised face. My sister’s health insurance company has sent an EOB claiming the patient responsibility is $20k because my sister failed to return the form describing the nature of the injury and who else might be liable while she was out of town on vacation. The homeowner’s insurance situation in Florida is already precarious at best. What are the chances the health insurance will require the homeowner’s policy to cover the injury? Does this put my sister’s home insurability at further risk? Any advice is appreciated. Thanks.