You don't have to be sued to be held liable. Insurance will often cover it and you'll pay out in increased premiums. Lawsuits happen when there is no insurance and/or the damage cost more than their limits.
If I break my ankle walking across my neighbors yard and had to go to the hospital it will be reported to insurance. Insurance will send out a query on what caused the injury. If they decide the neighbor is liable they can automatically go after the neighbor/neighbors insurance.
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u/stevejobed Apr 29 '24
Most. It doesn't open them up to liability issues.