Does a hotel's insurance pay for a window that you damaged?
Question Details: I have been staying in a hotel for 3 months with my children while waiting for our home to be ready. A few days ago, my daughter knocked a chair over and broke an outside window, not part of a room just sort of an outside hallway divider window. The keeper is telling me that I have to fix the window which is fine but tells me it's going to be $600 which I don't have. Everybody is telling me that his insurance should cover it and if I fix it, it is very possible he might double dip through his insurance. When I asked him about this, he got hostile and called the cops saying that I damaged his property. I keep up with my room maintenance by myself - clogged drains, shampoo rugs, etc. The cops said that I have to fix it. After they left, he said that I have 2 weeks. Tonight the window started cracking and might fall which is a huge danger to hotel guests and employees, so I asked him for a drill so that I can take it out, however he refuses to help me at all. I'm worried if someone gets injured that will be my fault too but not sure what legal options I have here. He is a heavy drinker and I'm worried that he will come over and make the window fall or damage something else so I have bigger problems. What are my options? I was also told that he should have to fix it and I'm responsible for the bill.
No one has to use their insurance for a claim if they don't want to: they can sue the at-fault person (or the parent of minor children who were at fault) for the money instead, since an at-fault person (or their parent) is liable for the damage. Or even if they do use insurance, the at-fault person would be liable for the deductible (the part not paid by insurance). If your daughter broke the window, you are liable for the cost to repair.