My 15 yo nephew broke his hand at a friend's house Friday. Evidently he was on the treadmill, and the child who lives there(17 yo) turned up the speed and he fell. He went and got an x-ray and they put a cast on. Well, today they went back to the doctor and found out he needs to have surgery to get pins in his hand because it is not healing properly. The friend only knows that he went and got a cast; she doesn't know things have progressed to where it is going to be an expensive accident, even with health insurance. So my question is, if you get hurt at someone's house, do you just suck it up or what? Would home owner's insurance help at all?