If someone falls on your property do you have an obligation to notify your insurance company or can you wait to see if the person sues?

You have an obligation to read your policy and follow it. It is an agreement you made with the insurance company.If you delay too long, the policy may say taht a claim is not covered if not reported within a certain amount of time, so if you wait, and get sued, the isnurance company may not have to defend you or pay for the loss.