Quote:
Originally Posted by kepp
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.
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The suit wouldn't be successful unless the homeowner or business owner was liable. I'm not sure what you are trying to say. Most homeowners policies that have medical payments for others are capped at a very low amount (ie $1000), and is just there for small accidental incidents and to be used more or less as a goodwill measure. I believe in some instances/areas, people can opt completely out of that type of coverage for a lower premium. But surely your liability and homeowner's coverage is not paying for significant injuries to any visitor or friend at your home, unless you are literally at fault.