Hypothetically speaking only, if the person tells their insurance company it was their own fault they fell and explain in detail why that is, that person's insurance company would think less of trying to sue. The insurance company would stand in the place of the injured person if a suit was filed ( subrogation claim) so if the injured person acknowledged and said it was their fault, it would be difficult for the insurance company to prove the neighbor was at fault and prove negligence.

The policy for the injured person would spell out the insurance companies rights in terms of subrogation and if the insured ( insured person) had any rights with regard to making that decision.

Check the policy,
Tell the truth and explain how the accident happened.

The hypothetical person asked me to tell you thank you for the information on the hypothetical situation. The truth shall set them free, and their neighbor too. I did advise him to read his policy. Thank you for taking the time to answer.

Best wishes to the hypothetical person for a speedy recovery.

Thanks. They had 13 hypothetically broken ribs, two of them were broken in two places. He's 77 years old and shouldn't have been on that hypothetical ladder. :)

I get those dumbass letters from the insurance all the time. It’s always my fault so stop sending them haha.