A friend of mine, who is a doctor, lived in the US for a while and told me this story.
His kids had some friends over, children of a colleague of his, also a doctor. At some point, the children were running, one of the guests slipped and cut his head on the window sill. Both fathers looked at it, applied a bandage, checked that no harm was done and sent the child off to play. Then, his colleague asked him if he had home insurance. "Because, if you do, I am going to go ahead and sue you, to get some money out of it."