If you slip and fall due to an uncleared hazard at a friend’s house
or a family member’s home, then you might be worried about suing
them and taking their money. Don’t worry because this doesn’t
happen. You don’t sue
them. You file a claim against the policy they bought from their insurance
provider. The insurance company is the one that owes you compensation.
At the most, your friend’s monthly premium might increase, but that
amount could be a fraction compared to the compensation you require to recover.