Legal Question in Insurance Law in New York

Normally, the sidewalks are the local government property unless there is special use of the sidewalk area (where accident happened ) by the owner of the property adjacent to the sidewalk (e.g., the drive-way where the car proceeds to the garage). If you are sued, you have to hire an attorney to represent you regardless of fault. The facts of each case determine the outcome. If the homeowner is found negligent (e.g., improper repair of the sidewalk area) he has to pay out of pocket if there is no insurance.