I fell due to a broken handrail while at a party at a friend’s house. Do I have to sue her to be compensated?
Technically, no. While proving your friend’s negligence is an important aspect of your claim, you will seek compensation against your friend’s homeowner’s or renter’s insurance policy, not your friend. Insurance policies pay most personal injury settlements or awards. Most property owners and renters cannot afford to pay for someone else’s injury expenses out-of-pocket.