One possible initial hurdle to such a suit is whether he has any assets from which you could collect a judgment. It is almost impossible to collect event a small judgment from an individual unless the individual owns real estate, a business, or has investments that the court can seize and sell to pay the judgment. Real estate usually must be something other than a personal residence as you can own up to $50,000 iin a residence that is exempt from execution on a judgment, and a certain amount of personal property is also exempt (cars, furniture, etc.) Plus, personal property is difficult to seize for execution on a judgment because he can get rid of it so easily. If he has no significant assets, there is no need to look into overcoming the other hurdles discussed below. One hurdle is he has no legal duty to insure you. You can't sue somebody for failing to do something they aren't required to do. You might argue promissory estopple, a doctrine that allows you to sue for breaking a promise if you relied on a promise to your detriment. In your case, you would argue that you would have found some way to get the medical treatment you needed had he not promised to put you on his insurance, but in reliance on his promise, you waited. One other possible hurdle would exist if you did not actually have a common law marriage. If that were the case, it would probably be illegal for him to put you on his insurance. A common law marriage exists where you live together and it is your intent to be married. Your intent to live as a married couple is established by evidence that you held yourselves out to the public as being married, meaning to others, you referred to him has your husband and he referred to you as his wife an/or you signed documents as husband and wife such as tax returns etc. If you did have a common law marriage, you might want to seek a divorce in Family Court and seek reimbursement for a portion of your medical expense (marital debt), and perhaps alimony.
Answered on Jun 15th, 2012 at 4:21 PM