Lawyers don’t like to sue individuals. They like to sue insurance companies because an insurance company has something called, “a deep pocket.” After you win a settlement or judgement, the insurance company immediately cuts a check; without insurance, most judgements would be uncollectable because individuals usually can’t pay. There’s a part of homeowner’s insurance called, “the liability provision” that follow owners away from the home. It covers not just the owner, but resident relatives. This opens up claims for accidents away from just streets and sidewalks.