Suppose the homeowner whose property you slipped and fell on has no homeowners insurance policy (or any other applicable insurance). In that case, your only choice may be to sue them personally. You should not have to pay out of your pocket for your fall-related damages, and by foregoing insurance, the homeowner may force your attorney's hand into filing a lawsuit. Your attorney will oversee this process, which can be complex and slow to resolve. However, the result of a lawsuit is often worth the effort and wait.