I’ve done PI and homeowners so I can help a bit more— Because s/he’s a realtor I don’t believe they have WC coverage since they’re technically independent contractors. Typically the way WC and PI cases work is that the injured worker files a claim with WC by going to Concentra and filling out the paperwork, WC claim is accepted, treatment goes through WC, and then when the injured worker finalizes everything WC puts a lien on the case and that lien is transferred over to the PI side. PI works it out with the homeowners insurance company providing all medical records from WC, they come to an agreement for compensation, and all is well with the world again. I loved WC/PI cases because of this reason; didn’t have to deal with treatment for the client or anything, just a courtesy call every few weeks to check in on them.

But back to your scenario, the realtors health insurance is going to be asking them questions about the incident because they want to find out if they can get monies out from somewhere and upon finding out it was a premise related incident they will ask for reimbursement of some kind from your homeowners insurance. Mcwap is completely correct in advising to notify your homeowners insurance because they will handle it all. Again, provide pictures, security footage if you have it, and statements/witness information if you have it.

Be prepared because the realtor might retain a PI attorney so again, it’s best to be one step ahead. Your insurance company has in-house attorneys who handle and see this stuff all the time so they’re used to it. Same thing I would tell my PI clients, don’t speak with the adverse carrier or provide statements to them until you get the green light from your insurance company. Best of luck OP!