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Old 06.11.2016, 23:51
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Accident, fell on the side walk because the home owner left wood on the floor

It was raining, dark and wet, there was a large piece of wood laying in the pavement, occupying 3/4 of the sidewalk, I slipped and have a strained ankle, on crutches for 3 weeks up to 3 months, depending on the recovery.

1. Does any one know if I can claim house hold help from SUVA? (cleaning and looking after my toddler)

2. or transportation costs from and to work?

3. Is the building owner held responsible for the wood/accident? How to evaluate?

Thanks for any hints

Hoping for a fast recovery
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Old 07.11.2016, 07:00
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Re: Accident, fell on the side walk because the home owner left wood on the floor

No idea for 1 and 2, though I expect 1 is a resounding no (you've got a twisted ankle, you're not in a coma or anything - lots of people make do with worse) and 2 is probably linked to the severity of your case, which frankly doesn't sound bad (potentially recovered in 3 weeks - I've done my ankle worse than that and never saw the doc).

As for 3, they're big on the idea of personal responsibility here - you should have been watching where you were going. There's no lawsuit culture (thank goodness) and little liability culture - your insurance covers your healthcare costs, and that's all you're going to get. No damages on top of that.
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Old 07.11.2016, 08:24
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Re: Accident, fell on the side walk because the home owner left wood on the floor

Your costs will be covered by your accident insurance. It will be up to them to decide whether to recover costs due to negligence (unlikely). As you won't have any significant costs, there is nothing for you to sue.
The sueing culture from the US arises becauses of poor insurance coverage in that country. Not applicable here (or anywhere in Europe for that matter).
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Old 07.11.2016, 09:38
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Re: Accident, fell on the side walk because the home owner left wood on the floor

You have insurance for a reason! Use it
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Old 07.11.2016, 10:39
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Re: Accident, fell on the side walk because the home owner left wood on the floor

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Your costs will be covered by your accident insurance. It will be up to them to decide whether to recover costs due to negligence (unlikely). As you won't have any significant costs, there is nothing for you to sue.
.
Let's leave the sueing aside, I have not mentioned it on my post at all

Back to the insurance, we have a lot of them, one called

Haftpflichtversicherung

And I am looking for clarification if the owner of the building or the Gemeinde will look after. Probably the accident insurance will go after it anyway. As mentioned, this is an insurance culture and they sue each other all the time, we don't need to worry about a thing.

The reason I asked 1. is because my doctor wrote that I need those on my protocol and I am afraid of the bill!

Regarding 2. Uber will be my best friend, because commuting involves 2 stretches of 15 minutes walking to the bus stop and then to the door. I am not a great crutches walker yet.

On 3. I know that we need to keep our side walks clean from snow otherwise we are held responsible, what about this large piece of wood? It's very irresponsible to leave it there.
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Old 07.11.2016, 10:46
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Re: Accident, fell on the side walk because the home owner left wood on the floor

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Let's leave the sueing aside, I have not mentioned it on my post at all
yet you are constantly hinting about it
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Old 07.11.2016, 10:47
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Re: Accident, fell on the side walk because the home owner left wood on the floor

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Let's leave the sueing aside, I have not mentioned it on my post at all

Back to the insurance, we have a lot of them, one called

Haftpflichtversicherung

And I am looking for clarification if the owner of the building or the Gemeinde will look after. Probably the accident insurance will go after it anyway. As mentioned, this is an insurance culture and they sue each other all the time, we don't need to worry about a thing.

The reason I asked 1. is because my doctor wrote that I need those on my protocol and I am afraid of the bill!

Regarding 2. Uber will be my best friend, because commuting involves 2 stretches of 15 minutes walking to the bus stop and then to the door. I am not a great crutches walker yet.

On 3. I know that we need to keep our side walks clean from snow otherwise we are held responsible, what about this large piece of wood? It's very irresponsible to leave it there.
if you are working and have an accident insurance via your employer, the insurance will pay everything with no franchise etc.
is that the case for you?
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Old 07.11.2016, 10:56
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Re: Accident, fell on the side walk because the home owner left wood on the floor

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if you are working and have an accident insurance via your employer, the insurance will pay everything with no franchise etc.
is that the case for you?

if you are not working then you are supposed to still have accident insurance, which will pay everything with no franchise etc
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Old 07.11.2016, 11:02
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Re: Accident, fell on the side walk because the home owner left wood on the floor

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Let's leave the sueing aside, I have not mentioned it on my post at all

Back to the insurance, we have a lot of them, one called

Haftpflichtversicherung

And I am looking for clarification if the owner of the building or the Gemeinde will look after. Probably the accident insurance will go after it anyway. As mentioned, this is an insurance culture and they sue each other all the time, we don't need to worry about a thing.

The reason I asked 1. is because my doctor wrote that I need those on my protocol and I am afraid of the bill!

Regarding 2. Uber will be my best friend, because commuting involves 2 stretches of 15 minutes walking to the bus stop and then to the door. I am not a great crutches walker yet.

On 3. I know that we need to keep our side walks clean from snow otherwise we are held responsible, what about this large piece of wood? It's very irresponsible to leave it there.
You or your doctor seem to be over thinking the accident form. It is not up to you to apportion blame or make assumptions.

You need to fill in the form according to what exactly happened, something along the lines of "I tripped over a piece of wood (approx size) in the dark on the night of xx/xx/2016, which was approximately xx cm into the pavement outside the property of xyz."

The insurance company will then assess the case, settle the bills then claim the money back, if necessary, off the relevant parties.

I've had four accidents which required form filling and at no point did I have to go round finding out who owned this that or the other. The form asks for the facts of what happened and, if necessary, who was CLEARLY involved at the time.
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Old 07.11.2016, 11:07
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Re: Accident, fell on the side walk because the home owner left wood on the floor

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I've had four accidents which required form filling.
I hope you have recovered well Did you require support at home?
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Old 07.11.2016, 11:15
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Re: Accident, fell on the side walk because the home owner left wood on the floor

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if you are not working then you are supposed to still have accident insurance, which will pay everything with no franchise etc
no, that is incorrect. Franchise and own contribution are applicable for accidents in case you are not insured via the employer.

please see also the link here. http://www.beobachter.ch/geld-sicher...se-bei-unfall/
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Old 07.11.2016, 11:16
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Re: Accident, fell on the side walk because the home owner left wood on the floor

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The insurance company will then assess the case, settle the bills then claim the money back, if necessary, off the relevant parties.
Thank you, I am just curious to know how the process go. Wondered if anyone had a similar situation to share here.

I have insurance and I have filled the form. Will see the doctor again in 3 days.
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Old 07.11.2016, 11:16
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Re: Accident, fell on the side walk because the home owner left wood on the floor

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I hope you have recovered well Did you require support at home?
No, well, apart from my husband having to maybe stack a dishwasher or cook a meal for the first time in his life...

The accidents didn't really prevent me from doing much (I'm stubborn as hell and won't let people help unless I'm totally incapacitated) - the first time was a dislocated shoulder, then another accident was a wrecked ankle, another accident was a smashed tooth and finally a slashed thigh which needed stitching.

Stay away from me I'm a liability...
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Old 07.11.2016, 11:20
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Re: Accident, fell on the side walk because the home owner left wood on the floor

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Stay away from me I'm a liability...
I hear there's a plank of wood trying to sue you for damage.
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Old 07.11.2016, 11:22
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Re: Accident, fell on the side walk because the home owner left wood on the floor

You don't need the Haftpflichtversicherung for this. You need an accident insurance.

Are you employed? And if not, did you get separate accident insurance or not?

If you're employed, the accident insurance of your employer covers the full costs, no deductible. They will decide whether you need household help or transportation costs or not (I have my doubts on both, but not my decision).

Process: fill a form online with details of the accident. Get treatment at the doctor's. Done. You will probably never even see a bill and if you do, just send it to the insurance company.

If you are not employed, I hope for your sake you indeed have that insurance. Process the same, though you will probably have to cover part of the costs.

Everyone has already told you that no one will sue anyone here for some piece of wood on the street, so just let that one go.
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Old 07.11.2016, 11:24
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Re: Accident, fell on the side walk because the home owner left wood on the floor

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I hear there's a plank of wood trying to sue you for damage.
He was but he got board.
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Old 07.11.2016, 11:26
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Re: Accident, fell on the side walk because the home owner left wood on the floor

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He was but he got board.
You're skirting around the question. I guess you're not offered wood very often.
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Old 07.11.2016, 11:28
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Re: Accident, fell on the side walk because the home owner left wood on the floor

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You're skirting around the question. I guess you're not offered wood very often.
Oh how I pine...
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Old 07.11.2016, 11:30
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Re: Accident, fell on the side walk because the home owner left wood on the floor

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Oh how I pine...
Is your proneness to accidents somehow ingrained?

(Perhaps you're just not a very good dancer and you should therefore simply stay away from Discos.)
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Old 07.11.2016, 14:28
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Re: Accident, fell on the side walk because the home owner left wood on the floor

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It was raining, dark and wet, there was a large piece of wood laying in the pavement, occupying 3/4 of the sidewalk, I slipped and have a strained ankle, on crutches for 3 weeks up to 3 months, depending on the recovery.

1. Does any one know if I can claim house hold help from SUVA? (cleaning and looking after my toddler)

2. or transportation costs from and to work?

3. Is the building owner held responsible for the wood/accident? How to evaluate?

Thanks for any hints

Hoping for a fast recovery
Sorry, I realize this is probably going to come across as insensitive, but are you serious???

When I was a small child my mother broke her ankle. She worked full-time as a waitress. She also had to care for two small children and her car was a manual transmission. No public transport where I'm from so she had to keep driving everywhere, broken ankle or not. We had stairs in our house. She also had to look after my dad, who was disabled. She survived.

I'm also currently nursing a sprained ankle, so I truly understand your pain. I will also be recovering for several weeks to months. I continue to take the trains, trams and buses and walk. I'm slower with crutches so I allow more time. I normally walk home from the train station but until I'm a bit stronger and steadier my spouse picks me up at the station so I don't have to walk the whole way.

Yes, I'm in pain. Yes, I'm exhausted. No I don't have a child but I do have a husband. I continue to clean house, cook and do laundry, only at a slower pace.

You just get on with it. It's a screwed up ankle. As long as you're careful and take time you'll be fine.

If you haven't already got one, ask your doctor about some sort of brace to wear in the house so that you don't need to clomp about with crutches. Wishing you a speedy recovery as well.
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