Anonymous wrote:From the sound of it OP, it doesn't sound at all like this woman is planning a lawsuit about her stitches. So I think you are waay over-thinking this whole thing.
However hypothetically speaking, if she was covered by insurance, I don't think you would be responsible for her medical bills. She could always sue for "pain + suffering," but these types of lawsuits seldom prevail.
If OP was the cause of her injury, whether or not the sitter had insurance would be irrelevant. You don't suddenly stop being responsible for something becauae your victim has means to take care of it without you.
But with that being said, OP isn't responsible for this.