Set aside the home insurance, this is a typically good case
for the examination. The facts are simple. What are the rights and liabilities of the respective party? Was the injured party lawfully present on the property and whether the home owner was liable for the injury if his or her negligence caused the injury.
万圣节晚上在前院放了两张椅子，上面有糖果让上门trick or treat的自取。我们在后院，不知道前院发生的事情。两个多月后，收到律所发来的信，说有人在取糖时摔倒，说我们的台阶不平，有裂缝等，当时call了救护车，一月份双膝要做手术，问我们要home insurance 和coverage的信息。对方具体的medical condition 没有提供。我们的台阶是有小裂缝，肯定不至于会摔跤，可是也没有证据是对方自己粗心摔的。
请问我们需要提供home insurance和coverage 给对方律所吗？请问我们要请attorney吗，还是就交给home insurance去办就行了？
实在是烦心，求大家帮助！
保险公司的律师应该很历害，会看出破绽的。
以后还是房前安摄像头吧。
for the examination. The facts are simple. What are the rights and liabilities of the respective party? Was the injured party lawfully present on the property and whether the home owner was liable for the injury if his or her negligence caused the injury.
under tort law? Assuming the injured party is a kid, he or she is no longer a trespasser but an invitee to the property.
如果要是那么判，要上新闻了。
dangerous condition that attracts kid.
你的問題不是台階的問題，而是你是否有提供足夠的照明光源，所以來討糖的人，可以清楚的看清地面。
所以，當晚你要是開了前院的照明燈，理論上你就沒有事。因為摔倒受傷本身是意外，你無法 100% 避免意外的發生，但是屋主的責任是確定任何訪客可以看清楚路面的狀況。
现在都要装摄像头，保护自己
证据，医生证明，双膝手术原因
即使摔一下，哪里就要做双膝手术？
eliminate potential risk or provide adequate warning such as "Watch your step".
律师信是真的，不是诈骗，他们要我们提供保险信息。
不聽，出了麻煩，不要來哭 !