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I'd call their lawyers and explain I wasn't accepting liability and to expect my defence paperwork shortly. Because I know the hurdles a plaintiff has in bringing such a claim are significant. Just because someone was injured in my property doesn't make me liable. The whole insurance...

I completely agree with this. I don't roll with LL insurance, or most forms of insurance for the same reasons. Health insurance being the notable exception. I essentially see most forms of insurance as betting to lose, with the odds stacked against you by the insurance companies. The odds...