Unfortunately my 18 year old son went to hang out at friends house. He fell down their stairs and now his arm is broken. He will be in a cast for several weeks. He will miss work due to injury and most likely not qualify for his summer job. Thank God for insurance and all the specialists he will have to see. I wonder should they be responsible to pay for the premium? I just blows my mind how casual they are about this like its normal? I do not like these people. No one pushed him but still its their stairs. Any similar experiences?