Can a minor sue her stepparent’s home insurance for injuries?

"My 16-year-old niece slipped on a wet floor in her stepmom's home (my niece lives elsewhere). She sprained her foot, needed stitches, and could barely move for a while. She wants to know if she can sue her stepmom's homeowners insurance to cover her injuries.

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Jackie Whalen
Answered on Apr 07, 2021
“Your niece would have to prove negligence on the part of her stepmom in order to sue for the insurance to cover her injuries.
But there is another possible solution here — the homeowners policy probably includes coverage for medical payments, and this is a separate coverage from liability. Medical payments coverage is considered to be a “”no-fault”” coverage, and it will cover your niece’s medical bills without having to prove any sort of negligence on the part of the stepmom.”
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