I have a 22 mth old daughter. She stays with her father while Im working, first shift. Her dad left her in the care of his girlfriend for a short period of time. My daughter got 2nd degree burns on her legs and feet walking barefoot outside on her concrete/porceluin steps. She has had to stay in the hospital as well as medical care continuing at home. I am wondering if the property's owner has home ownership insurance, would they pay for her medical care, as well as the days I have had to take off from work. If they don't have the insurance, should I consult a lawyer or would it be a waste of time?