Quote:
Originally Posted by BWillie
Only if your policy has medical payments to others (which doesn't have to do with liability) and many times is optional. The insurance company doesn't owe you a thing under the liability of the policy, because you know, you weren't at fault for someone falling down your stairs. Just because someone's property gets damaged on your property, from something from your property, or someone is hurt at your property does not automatically mean you are liable.
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You're acting like you would have a choice whether to pay someone or not for getting hurt on your property. You wouldn't. The person's medical insurance company would absolutely attempt to recover the money either from your homeowner's insurance, or by suing you directly.