Types of Insurance The insurance related to accidents and the resulting injuries would be casualty insurance, such as life and health insurance, and liability insurance. If you have been injured, your casualty insurance company, if any, should be obligated to reimburse and compensate you for your covered losses. And if your injury was caused by someone else, usually that other person's liability insurance company should compensate you for any harm not covered by your own casualty insurance company. However, you may have to sue and have a court determine whether the other person was actually at fault for your injury. Automobile insurance often works this way if there is a question of fault in an accident. The law in this area is controlled largely by your state.
Environmental hazards account for 16% to 27% of nursing home falls (Ejaz 1994; Rubenstein 1994). Such hazards include wet floors, poor lighting, lack of bed rails, clutter, incorrect bed height, and improperly maintained or fitted wheelchairs (Baker 1985; Rubenstein 1994)