xR6Hurricane, what that claims adjuster was probably referring to was an extension, or denial of guest med. coverage on the home owners coverage, which are medical bills only (special damages), and have a relatively low limit, like around 1,000. This means that there is no liability, or the home owner did nothing wrong. In order for general damages to kick in, (pain and suffering), and a higher med limit, the claimant would have to show negligence, or that the home owner did something wrong. In any case the home owners insurance would generally owe a defense to the home owner, and try to get a summery judgement. (Law suit removed). If the summery judgement is not successfully, the homeowners coverage would likely still defend, and be on the claim.