If a child is hurt riding a friend's mini bike on someone else's property who is responsible for paying the medical bills - our medical insurance of their homeowners?

there are many variables here.. speaking for 'most' states...homeowners policys have two different areas (that are common, additional coverages can of course be purchased) that medical bills can be paid from...one coverage is 'medical payments' this pays medical bills, rx, bandages etc. for anyone (not excluded, or not an excluded act) on your property that gets injured regardless of and without negliegence on the part of the insured, just on your property when hurt...(that is important)..there is also liablity coverage that covers ONLYthings that the insured is liable for or thru some negligence of the insured........ you don't say if you were there if you gave permission for the child to ride and so on, so i will assume that you don't feel any negligence on the part of the insured property owner (if different let me know and i will attempt to assist but need more details). so unless an exclusion applies then the med pay should cover up to that limit, (which incidently is typcially low 1-5k (liability much much higher in 100k range). now who (which ins company) is repsonsible also a state/policy thing, in some states you are allowed to 'double dip' meaning you can collect both, but more than likely your health ins will have a 'subrogation clause' ... were i you i would use my health ins. let them subrogate for what they pay and also would file a claim for the med pay myself to cover any co-pay or deductible, again if there is negli. on the insured's part would also be a liablity claim involve, the insurance company will immediately investigate to determine if any negli. on the part of their insured so they will let you know there stance on that. (accept or deny liability regarding this accident and injury to your son), whom by the way i hope is ok.........lori