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Bed Bug
Lawsuit Example
New
York Bed Bugs Claim
This hypothetical case deals with a bed bug lawsuit against a New York hotel.
We'll discuss relevant
legal issues including specific damages,
liability, settlement
negotiations,
and the final case resolution.
The Incident...
Max and Emma were on their honeymoon in New York staying at the Lindole
Hotel. On the first night, everything seemed fine, but upon
waking up the second day Emma had welts and swelling covering her legs
and back and she was in severe discomfort.
Not knowing what was wrong, she went immediately to an urgent care
clinic in Manhattan where they also had no idea what the cause of
Emma’s welts could be. They prescribed her pain killers
and Benadryl and sent her on her way. The following day, her
welts and swelling was even worse. By the third day, Max had
several welts on his legs and he was also in great discomfort.
Max and Emma were watching a local television broadcast and heard that bed bug infestations were
increasing in Manhattan and the Lindole Hotel recently had
an outbreak, however when Max and Emma booked their room no one advised
them of this problem.
The rest of Max and Emma’s trip was spent in and out of urgent care
until someone with experience in bed bug epidemiology could properly
treat her. Needless to say, their honeymoon was terrible.
Liability...
New York bed bugs are a new problem and insurance companies, at the
time, did not know how to handle such claims. At first, they
denied any liability and referred Emma to her primary care physician.
Thereafter, they offered to pay Emma’s medical expenses up to
$500.
However, once Emma hired
an attorney and threatened to file a bed bug lawsuit, the insurance
company accepted liability and began working with her
attorney to reach a settlement.
Injuries...
Max and Emma both experienced severe bites from the bed bugs that
exhibited themselves as swollen welts, similar to mosquito
bites. In addition to the bites, both Max and Emma had severe
itching which led to irritation in the affected areas.
Negotiations...
Though their medical bills were not significant (Emma incurred $580 in
urgent care bills and Max incurred $320), the major expense came in the
financial losses attributed to the honeymoon.
Max and Emma had scheduled and pre-paid for two tours totaling $1,200
which they were unable to attend due to their pain. These
tours were non-refundable.
The remainder of the honeymoon was $4,000 ($400 per night at the hotel
for 7 nights and $1,200 in travel from Louisiana where they
resided). Therefore, their
total losses were $6,100. The insurance company
refused to cover anything that could not be directly linked, in their
minds, to the bed bugs incident.
Final
Settlement...
In the end, the attorney managed to convince the insurance adjuster
that the medical bills of $900 were clearly covered as well as the
nightly expenses at the hotel for $2,800. They denied the
non-refundable expenses associated with the tour arguing that Max and
Emma should pursue the tour company, not the hotel.
They also denied the travel expenses arguing that Max and Emma would
still need to travel to and from New York notwithstanding the bed bug
incident. Typically,
out-of-pocket expenses are reimbursed and not used as the basis for
pain and suffering.
The medical bills of $900 were used as the basis for settlement, and
Max and Emma received $3,500 to compensate them for their
inconvenience, pain and
suffering. When added to the $2,800 hotel expense,
the total settlement was $6,300. They used this money to take
a second honeymoon on their one year anniversary to Jamaica.
Important
Points...
- An insurance adjuster can deny a claim at first
and then accept liability when given more facts, though this does not
happen often.
-
New or uncommon theories
of liability and causes of action (such as in a bed bug
lawsuit like this) may cause people to shy away from a claim based
solely on lack of information.
- Insurance companies will typically only settle
claims and offer money for those events or situations directly related
to the injury.
Return
from Bed Bug Lawsuit to Personal
Injury Claim
Return
from Bed Bug Lawsuit to Personal
Injury Settlement Guide
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