Are hospitals liable for patient falls occuring in their facilities through liablility insurance?

No one is automatically liable for the injuries of another. If the fall was the result of some negligence, then they might be liable. If there was no negligence, then they are not liable.

If someone falls because its there own stupidity then there its not the hospitals problem otherwise all these idiots would walk into a hospital and just fall.

Let's suppose someone visits your home and falls.

Are YOU liable for their medical expenses?
Well it depends on whether THEY were a klutz, or if there was something hazardous in your home that would cause anyone to fall, and if it can be proven if it was your fault or their fault that they fell.

Same rule any place of business, or anyone's property. Someone falls ... were they a klutz, or was it someone else fault. If it can be proven someone else fault, then yes, that's covered by liability insurance. You had better have it, as part of your home property insurance, and part of your auto insurance.

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