In the US, if a criminal trips over something in your house while in the process of robbing you and breaks his leg, you are responsible for damages to the criminal.
That's why you need to have insurance. And that's why insurance companies have the most money.
A guy was buying a horse from me one time and he fell off and hurt himself. The first thing his wife asked is if we have insurance.
My son got bit by a dog on someone's property. Their insurance company had to cover the costs even though my health insurance would cover them. But since the accident happened on their property, not only did their rates go up but they also had to destroy the dog.
That's the law.