Is my sisters accident my fault?

[Babybirdmum]

—my sister fell over my child’s toy in my garden and broke her nose/hurt her front teeth.
-I called an ambulance, cared for her, hubby sent text afterwards, I said I’m sorry this happened.
-after I was saying how awful, I googled what happens when you bang your teeth. Kept saying it’s awful.
-she doesn’t remember me saying sorry but I guess she was in shock.
-we have a difficult relationship but have been getting on well recently.
-she phoned me to say if it was at a restaurant then she would sue them, implying that I should give her some compensation. (Because my mum said “she just wants an apology” and she said in the background “no I don’t, I want more”)
-I said are you joking and laughed. She look offence.she said speak to my lawyers (she doesn’t have lawyers so I did t know how to take this).—I was really upset. Accused her of asking me for money to fund her extravagant lifestyle.
-my mum was on speaker during the phone too. She said sister just wanted an apology.
-seems like she wanted money and because I got upset she was blaming me, changed it to wanting an apology. She said she didn’t think I was sorry it happened. I feel I’ve been very compassionate. Not sure what else I could’ve done?
-need outside opinions as I have no clue whether it’s me or her that’s in the wrong. I’ve apologised to her but she doesn’t care how hurt I feel about the phone call, especially when I feel like I’ve supported her.

Phone her and ask her to replace the toy she fell over and broke

She may have a reasonable case depending upon where the toy was and whether it was negligence to leave a toy where someone would be walking.

If you have house insurance she should make a claim if she needs expensive dental work.

She could have tripped over one of the DC and fallen on them. You really do need to watch where your going with young children around.

Christ on a bike! Your sister is off her rocker. Tell her she should be more bloody careful in future and you want her to pay for a cleaner to clean up the blood and she can buy a replacement toy as she may have damaged it. Obviously I'm being facetious but she deserves it. What a brass neck!

Ridiculous, can’t even believe you felt the need to apologise.

Any chance she has a concussion and is not thinking straight?

Me either. What were you thinking?

She could sue a restaurant for having an obstruction in the way because their risk assessment/business liability insurance would suggest that they shouldn’t have trip hazards.

Life in the home with kids around, entirely different. Accidents happen. She’s crazy - ignore and also don’t listen to your Mum enable her!!! You’ve expressed sympathy for her accident and injury. She doesn’t need another apology from you.

Totally her fault and an accident. Kids leave toys around so she should have taken care. And I'm also appalled you called an ambulance. Totally unnecessary in these circumstances. A taxi or driving her to minor injuries would have been fine.

This. People have successfully sued for accidents in other people's houses. Even burgers have sued and won.

Don't let her back, she sounds vindictive. I'd also check your house insurance just in case.

Why wasn't she looking where she was going? Did she have her phone out?

Ok, taking the relationship out of the equation, someone has had a pretty serious accident whilst on your property

No way should they be out of pocket for that

You do have insurance??

Let her sue, shes not suing you, shes making sure she gets the care and funds she needs

Your insurance company will have a figure, her solicitor will have a figure and it will take a few years before they agree, Let her go for it and dont take it personally

She sounds like a monster. What kind of person, let alone a sister, would even think this way? I’d be inclined to not let her visit again.

Exactly!!

I'm going to presume you are in the U.K. so the nhs dealt with everything at no cost?

Re Insurance, the annual premiums can go up even if you notify them of a potential claim but don't claim. Because you've become a higher risk. In your case it could happen again to someone else. So I'd suggest you don't want her claiming and I'd not push her down that road.

I'd apologise. While at not taking any responsibility for the accident.

You can easily say 'I'm so sorry that you fell and broke your nose. It must be so painful. Im so sorry that has happened to you'.

That's NOT the same as saying I'm sorry I left that toy there when I should have picked it up. Or anything else taking responsibility. As that's ridiculous. Kids have toys. We fall over them. That's life.

It doesn't mean you shouldn't have compassion for someone who had a horrendous frightening accident. I don't get why you don't feel for her? Poor woman.

if falling on the toy broke it, ask her if she's going to replace it.

If she claims in my home insurance will my premium go up? Like with car accidents

She doesn’t sound like a good egg, your sister:(

It was an accident.

That said do check your home insurance because you may be able to claim for her injuries.

Yes, essentially, it is a claim. Your insurance company will most likely laugh at her though, and advise her to look where she is going next time.

I have a disability that makes me clumsy and knocks my balance wild, but if I tripped over a stationary toy it would still be 100% my fault. Sister is a selfish ...!

This. She needs to look where she's going. A household with children will have all manner of toys/crap on the floor.

She is disgusting and a money grabber.

She's crazy and I wouldn't have her back in your home.

I was called for jury duty a few years ago. A woman sued the county because she tripped in a public park and broke her ankle. She lost because she was walking in the woods without watching where she was stepping. There's a legal doctrine called assumption of risk that applies.