Does anyone have any experience with this situation? My friend fell last spring, it was a bad fall, her shoulder broke and dislocated. She fell in her own home and everything was covered by her United Healthcare Medicare Advantage plan. This week she received a letter asking her to contact them with more details about her accident to discover if some other insurance is responsible.
You friend's homeowners policy probably wouldn't cover any part of HER injury in her home. If she had fallen in someone ELSE'S home, then that person's insurance might have liability.
https://www.askadamskutner.com/personal-injury/first-party-vs-third-party-personal-injury-insurance-claims/