MVC Insurance claim question

[NJMOM2]

My husband fell and got seriously hurt while visiting a Marriott Vacation Club resort. We always get the annual vacation club insurance. The reservation was made with banked 2024 vacation club point to use year 2025. Which travel insurance policy do I use to file a claim, the one for 2024 use year or 2025 use year?

 

[dioxide45]

My husband fell and got seriously hurt while visiting a Marriott Vacation Club resort. We always get the annual vacation club insurance. The reservation was made with banked 2024 vacation club point to use year 2025. Which travel insurance policy do I use to file a claim, the one for 2024 use year or 2025 use year?

I understand you would use the 2024 policy. However, were you hurt on property? There is a chance your issue would be filed against the properties insurance. Depends on what cause the fall.

 

[NJMOM2]

I've already been contacted by the resort's insurance company. He tripped over the duvet hanging off the corner of the bed and shattered his kneecap. I have no idea what to expect from them they reached out to me.

 

[dioxide45]

I've already been contacted by the resort's insurance company. He tripped over the duvet hanging off the corner of the bed and shattered his kneecap. I have no idea what to expect from them they reached out to me.

I am no attorney, but I don't think that would be the fault of the property. Accidents happen I suppose. It certainly sounds painful.

Did you incur any costs associated with the fall and injury? Was any or all of it covered by medical insurance? Did it happen in the USA? The trip insurance will only cover monetary losses. So if you had to pay for medical coverage or to cancel part of the trip, then those may be covered.

 

[NJMOM2]

We don't even have any bills yet. We have really good insurance everything should be covered except $250.

 

[daviator]

I've already been contacted by the resort's insurance company. He tripped over the duvet hanging off the corner of the bed and shattered his kneecap. I have no idea what to expect from them they reached out to me.

I don't have anything to add except for sympathy. It always seems like some of the worst injuries occur in the dumbest of ways... and I'm not calling your husband dumb, his accident sounds like something I'd do. I hope he will regain all of his mobility and that the recovery process won't be as bad as you probably fear.

And this is my self-reminder to make those beds right away after getting up, and be sure the duvet is off the floor all the way around. Ouch. So sorry this happened to you. I'm glad you have good insurance and need only worry about his recovery.

 

[davidvel]

I've already been contacted by the resort's insurance company. He tripped over the duvet hanging off the corner of the bed and shattered his kneecap. I have no idea what to expect from them they reached out to me.

Most liability policies have medpay, which is no fault coverage for medical expenses up to (usually) a small amount. Be sure to ask the company about medpay. It certainly would cover any out of pocket medical expenses up to the limit.

 

[rthib]

I understand you would use the 2024 policy. However, were you hurt on property? There is a chance your issue would be filed against the properties insurance. Depends on what cause the fall.

One of the reason I get insurance is I don’t have to care who’s fault it is. I file against my insurance and let the professionals fight it out. I just want to be made whole again. File against your insurance and let them know what happened. If it is the properties fault then they can go after the property to pay them back, but in the meantime you can get paid and taken care of. Also check any credit cards you used for the trip, a lot of cards cover medical too on travel.

 

[NJMOM2]

This was only a local trip only 1.15 hours from home for 3 nights using vacation club points. We were on our way home with my husband on the day we were supposed to check out. I didn't lose any days at the resort and if needed they wouldn't add any days. I was going home either way and would have come back for him in a day or two if needed. We still have to go back to Atlantic City to follow up with the surgeon for a few visits. Since I don't have any hospital bills yet so at this point we don't have any added expenses to our trip. I'll look into it again and find a phone number to call to speak to a person. I don't think we're going to get much back from the Marriott insurance

 

[NJMOM2]

Update:
Unfortunately by week 6 the patella bones shifted and my husband needs another surgery with a plate and wires to fix it. Marriott's insurance company contacted us and will settle for a small payment above out medical costs to date (before second surgery). My husband started Medicare the month after the accident. The second surgery will cost the annual deductible for Medicare. Marriott's payment is still a little more than our total medical expenses. We aren't the type of people to fight them for more money because it was an accident and not entirely Marriott's fault. Their insurance company contacted us with a settlement.

I still didn't file a claim with the Marriott Travel Insurance I have for protect of our timeshare trips. I used 2024 Abound points for trip. Today I went online to file a claim with the 2024 policy. When I entered the 2025 date of the injury there was an error because the date was out of range for the 2024 policy. The 2025 policy is a different insurance company compared to 2024. Should I try filing a claim with 2025 policy? I thought the policy for 2024 covered the weeks/points even if banked or used in Interval International no matter what year they were used. I chatted with a Marriott rep and was told to use the 2024 policy. I suppose I have to call the insurance company to speak with one of their representatives. Has anyone else have to file a claim for a later year than the original use year of weeks/points used for trip? Am I not understanding correctly who to file claim with? Any suggestions?

 

[WBP]

Update:
Unfortunately by week 6 the patella bones shifted and my husband needs another surgery with a plate and wires to fix it. Marriott's insurance company contacted us and will settle for a small payment above out medical costs to date (before second surgery). My husband started Medicare the month after the accident. The second surgery will cost the annual deductible for Medicare. Marriott's payment is still a little more than our total medical expenses. We aren't the type of people to fight them for more money because it was an accident and not entirely Marriott's fault. Their insurance company contacted us with a settlement.

I still didn't file a claim with the Marriott Travel Insurance I have for protect of our timeshare trips. I used 2024 Abound points for trip. Today I went online to file a claim with the 2024 policy. When I entered the 2025 date of the injury there was an error because the date was out of range for the 2024 policy. The 2025 policy is a different insurance company compared to 2024. Should I try filing a claim with 2025 policy? I thought the policy for 2024 covered the weeks/points even if banked or used in Interval International no matter what year they were used. I chatted with a Marriott rep and was told to use the 2024 policy. I suppose I have to call the insurance company to speak with one of their representatives. Has anyone else have to file a claim for a later year than the original use year of weeks/points used for trip? Am I not understanding correctly who to file claim with? Any suggestions?

I would vigorously suggest that you stop talking to anyone associated with Marriott, don’t send them a thing, and if you authorized Marriott to have access to your husband’s medical records, consider putting a stop to that. I don’t know the cause of your husband’s injury, but, in a matter like this one, I would be certain to retain a personal injury attorney, who typically works on a contingency basis.

 

[WBP]

My husband fell and got seriously hurt while visiting a Marriott Vacation Club resort. We always get the annual vacation club insurance. The reservation was made with banked 2024 vacation club point to use year 2025. Which travel insurance policy do I use to file a claim, the one for 2024 use year or 2025 use year?

Add to my previous comment, I suggest that you immediately stop posting anything about the incident, involving your husband, in this forum, or any other place.