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Liability insurance, part of your home insurance coverage, insures you for any bodily injuries or property damages another person may suffer while on your property. This is a type of coverage that you usually have to add to a basic homeowners insurance policy that typically just covers your own home and property.
People who often have guests over, have their children's friends in the house often or are spending large amounts of time remodeling their home are likely to purchase liability coverage. If someone injures themselves while on your property and your deductible is considerably less than their medical expenses, filing a claim would probably be a good idea.
If, on the other hand, your deductible is $1,000 and the injury is merely a sprained ankle that required an emergency room visit, some pain medication and a co-pay, it would probably just be easier to pay for these out of pocket.