You may present a claim to the homeowner for your actual damages, however, the homeowners insurance company will normally require proof of the injury though witnesses at the party, an evaluation of the seriousness of the injury, hospitalization, doctor visits, necessary operations, days off work, consequential damages and other things based on the type of injury. If your injuries were minimal with no hospitalizations the homeowner may have to pay you instead of the insurer because it is not enough in damages to actually exceed the homeowners deductible. "Direct threats require decisive action."
Answered on Aug 02nd, 2011 at 8:24 AM