i got burned by a heating pad that my Fiancee's had under his shoulder but it slid up-under me during our sleep. it was an accident and neither one of us were aware of the situation. can someone give us a little bit of advice on what to do????

Do you live there?

Did you need emergency treatment?

Were you drunk?

I'm just trying to figure out how you can get a really serious burn sleeping on a heating pad – I always wake up when it starts getting uncomfortable.

Anyway. If it's not serious, get over it. If you were hospitalized with serious burns, you're likely not going to be able to sue ANYONE, as the instructions on heating pads say don't sleep with them. I don't think your fiance was any more negligent than YOU were, and if you live there, you can't collect under his policy anyway.

My advice is, don't sleep with heating pads. And don't blow dry your hair in the bathtub, either.

Your health insurance is going to cover the doctor visit.