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Old 27.01.2018, 23:41
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Domestic Violence, which insurance to claim?

I recently got hit by my husband due to disagreement. He kicked my leg very strongly until it lost its sensitivity. I went to the doctor, told him the what had happened. They told me I could claim it from my accident insurance as it was classified as accident (and not sickness).

Today, I just received a formular from my accident insurance company to understand more about the accident.

In the formular, they asked if the accident is caused by third party and the third party's liability insurance. Is domestic violence covered by my accident insurance or my husband's liability insurance?

I appreciate your advice. Thanks!
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Old 28.01.2018, 01:32
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Re: Domestic Violence, which insurance to claim?

Not 100% sure, but I'd be surprised if his liability insurance would cover anything as they typically only pay damages that were 'accidental'. Hitting and kicking you doesn't fall under that category.

If you're employed, your accident insurance will cover doctors' costs. If you are not employed, health insurance will pay, though that will be subject to your coverage and the usual rules around deductibles.

You need to indicate anyway that it was caused by your husband and which insurance he has, and the rest is for the various insurance companies to figure out.


I will not comment on the situation overall.
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Old 28.01.2018, 01:43
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Re: Domestic Violence, which insurance to claim?

We cannot read the exact conditions of your insurances, those are in your bookkeeping.

Your insurance will pay and then they highly likely will go after your husband for the money.
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Old 28.01.2018, 03:25
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Re: Domestic Violence, which insurance to claim?

(Putting insurance aside for the moment...)

Ernieceline, are you OK, are you safe now?

If you need help or advice in Schaffhausen, the folks below are a good contact. If at any time you feel threatened, there is also a hotline number.

http://www.fsgb-sh.ch/index.php?id=83

Wishing you all the best.
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Old 28.01.2018, 08:48
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Re: Domestic Violence, which insurance to claim?

I'm OK and safe. Thanks. He promised that he will not repeat it again. He didn't know that I went to the doctor and he may feel defensive or angry if he knows that I reported this to the doctor. Now, everything is good and I try not to bring this up again. I hope you can understand.

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Your insurance will pay and then they highly likely will go after your husband for the money.

This is my worry.
I fear my accident insurance will try to claim from my husband's liability insurance or from my husband.
My wish is to claim the medical expenses from my accident insurance. Otherwise, I may be in more trouble if my husband knows that I report this to the doctor.

I am a housewife.
My basic and accident insurances are normal standard Swiss regulated insurances. I didn't add or deduct anything from what they offer. Maybe someone here knows, whether the coverage of basic or accident insurance for domestic violence?

Please help!
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Old 28.01.2018, 08:51
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Re: Domestic Violence, which insurance to claim?

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He promised that he will not repeat it again.
...said every violent abuser ever. This will not be the last time, once it has started a psychological barrier has been broken, so prepare yourself. If you claim your husband struck you to the insurance/hospital then isn't there a chance they will tell the police as a crime has been committed?
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Old 28.01.2018, 09:00
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Re: Domestic Violence, which insurance to claim?

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...said every violent abuser ever. This will not be the last time, once it has started a psychological barrier has been broken, so prepare yourself. If you claim your husband struck you to the insurance/hospital then isn't there a chance they will tell the police as a crime has been committed?
The doctor said that this will remain confidential and it is up to me to report to the police myself.

I think this expenses is more likely to be claimed from my accident insurance than my basic health insurance.
Will my accident insurance company report this to the police without my agreement?

Do you think my accident insurance will contact my husband and claim it from my husband?
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Old 28.01.2018, 10:21
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Re: Domestic Violence, which insurance to claim?

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...said every violent abuser ever. This will not be the last time, once it has started a psychological barrier has been broken, so prepare yourself. If you claim your husband struck you to the insurance/hospital then isn't there a chance they will tell the police as a crime has been committed?
Sorry, but have to take issue with this Richdog. It's not an absolute. My cousin's husband hit her once. She walked out and left him, he came and apologised, swore it would never happen again if she came back and it didn't. They've had many happy years of marriage.
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Old 28.01.2018, 17:33
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Re: Domestic Violence, which insurance to claim?

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...said every violent abuser ever. This will not be the last time, once it has started a psychological barrier has been broken, so prepare yourself.
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Once you begin the dangerous game of being responsible for his behaviour, keeping things calm within the home etc.. you're f***ed!
These are the most common and classic sequence of events. Please take heed, and when your doctor says to get out of the situation (which they can), you get the hell out of there.
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Old 28.01.2018, 12:00
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Re: Domestic Violence, which insurance to claim?

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I'm OK and safe. Thanks. He promised that he will not repeat it again. He didn't know that I went to the doctor and he may feel defensive or angry if he knows that I reported this to the doctor. Now, everything is good and I try not to bring this up again. I hope you can understand.
If you are afraid that he'll get all manic if he finds out you went to the doctor then you probably know deep down that some things are never going to change. Look for long term solutions too...next time it could be worse. All abusers convince their victims that they won't do it next time. It always is a "next" time.
Btw, will he agree to follow some form of (psychological) therapy - individual and in couple? That would be a much better indication that he wants to change. Sweeping the dirt under the rug isn't. I wouldn't leave things where they are, OP. Demand more - safety, respect, working on your relation, not being taken for granted.
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Old 28.01.2018, 19:02
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Re: Domestic Violence, which insurance to claim?

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I'm OK and safe. Thanks. He promised that he will not repeat it again. He didn't know that I went to the doctor and he may feel defensive or angry if he knows that I reported this to the doctor. Now, everything is good and I try not to bring this up again. I hope you can understand.

This is my worry.
I fear my accident insurance will try to claim from my husband's liability insurance or from my husband.
My wish is to claim the medical expenses from my accident insurance. Otherwise, I may be in more trouble if my husband knows that I report this to the doctor.

I am a housewife.
My basic and accident insurances are normal standard Swiss regulated insurances. I didn't add or deduct anything from what they offer. Maybe someone here knows, whether the coverage of basic or accident insurance for domestic violence?

Please help!
Just that in bold tells me that you are afraid of your husband and that he might do this or something similar again. Don't bow to a bully, tell the truth and if he gets into some sort of trouble from his insurance or even the police, it's his problem. He needs to learn from his (terrible) mistake, not you. I hope all works out well for you.
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Old 28.01.2018, 19:45
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Re: Domestic Violence, which insurance to claim?

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Just that in bold tells me that you are afraid of your husband and that he might do this or something similar again. Don't bow to a bully, tell the truth and if he gets into some sort of trouble from his insurance or even the police, it's his problem. He needs to learn from his (terrible) mistake, not you. I hope all works out well for you.
Thanks for all your advice and help.

If I report him to the police, will how heavy is the crime? Does he has to pay a penalty? Will this crime be registered with his profile forever? Deep inside me, I still love him and I do not want him to get into big trouble. If we patched back things together, he will still be my husband and I do not hope he is somehow blacklisted or charged as a criminal.

I know some of you may think that I am stupid. However, I would like to weigh all factors before acting.
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Old 28.01.2018, 16:05
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Re: Domestic Violence, which insurance to claim?

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I recently got hit by my husband due to disagreement him being a total and utter shithead.
Fixed that for you. Listen to Meloncollie. No good can come of staying with such a nasty piece of work.
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Old 28.01.2018, 17:36
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Re: Domestic Violence, which insurance to claim?

I'm sorry, this thread makes my blood boil.

OP, I am sorry this has happened to you and I hope you take steps to take care of yourself. File with the insurance. Since you have the same company for accident and health, let them sort it. If they ask questions, be honest. Do not "protect" your husband. He's a big boy and needs to learn to deal with the consequences of his actions.

Also, for the record, physical assault - which is what he did to you - is NOT an accident. It's intentional and that is NOT okay, not even once. Not even if he says he's sorry.
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Old 28.01.2018, 18:05
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Re: Domestic Violence, which insurance to claim?

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I'm sorry, this thread makes my blood boil.

OP, I am sorry this has happened to you and I hope you take steps to take care of yourself. File with the insurance. Since you have the same company for accident and health, let them sort it. If they ask questions, be honest. Do not "protect" your husband. He's a big boy and needs to learn to deal with the consequences of his actions.

Also, for the record, physical assault - which is what he did to you - is NOT an accident. It's intentional and that is NOT okay, not even once. Not even if he says he's sorry.
Yep, blood boiling going on here too

OP, when you were a little girl did you ever think you would grow up, marry and get kicked by a person who loves you? If this was your daughter, your baby you raised and this had happened to her, what would you say? Your advice to her?

You need to dig deep, stand tall, be proud and have a long, serious talk with yourself.

Always fight the good fight in life, every other fight is pure misery and sh!te..
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Old 28.01.2018, 18:11
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Re: Domestic Violence, which insurance to claim?

First thing to do if one is sorry would be to try to mitigate the consequences and to try to pay up, instead of bypassing existing laws and to charge the burden of one's action on the victim and/or the community, e.g.
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Old 28.01.2018, 18:28
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Re: Domestic Violence, which insurance to claim?

Ernieceline, have followed your posts today and the responses.

There are a lot of good points from quite a few posters (some of which I know have been subject themselves to domestic violence).

At the end of the day, you'll be thinking that you deserved it somehow.

The fact that you've titled the thread in the way that you have, and described it to your doctor the way that you did, shows that you're intelligent and already know what happened - and is still happening/ to come - is not OK. Right?

You'll get many responses from your thread, but at the end of the day - as others have mentioned - it's only Meloncollies link that you really need.

Or your doctor will also provide you with another professional contact to help you confidentially discuss your situation further.

Fingers crossed that you make a good decision
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Old 28.01.2018, 18:34
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Re: Domestic Violence, which insurance to claim?

He's not sorry that he did it. He's sorry that his actions gained negative attention from outsiders (doctors / possibly insurance) and that he could potentially get into serious trouble. I've seen this type before. People who love you do not injure your leg until you have no feeling in it. Everyone makes mistakes in relationships but this is way beyond the threshold of acceptability. This is about power and control. Please protect yourself.
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