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.
https://www.askadamskutner.com/personal-injury/first-party-vs-third-party-personal-injury-insurance-claims/
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.