Woman fell and needs extensive dental work

[NewHomeowner]

My husband and I are new home owners. Recently a woman from the homeowner's association came by to drop off a welcome basket. It was dark outside and no outside lights were on, we didn't even hear the doorbell because we were upstairs. When I heard her screaming I ran outside and there she was. I did what I could then I called 911, she went to the hospital to get checked out. She needs extensive denatl work and has no dental insurance. She wants us(our insurance) to pay for the work that needs to be done, meanwhile saying she knows this isn't our fault but she has no ins. She suggested we call our ins. company. My question is, are we liable since no one invited her over? We had no idea that she would be there.

[Mr. Knowitall]

Why did she fall? Do you have any idea what she is claiming caused her accident?

[NewHomeowner]

She really didn't say how she fell. I believe she either fell off the step or tripped on the sidewalk. This is a new house so the steps are not cracked or broken. The sidewalk is in also in great shape. It was dark and the woman couldn't see where she was walking.

[Mr. Knowitall]

Although the law varies by state, falling because it is dark and you don't adequately look where you are going would not ordinarily support a legal cause of action. I doubt that your insurance company would cover the incident.