如果对方没有home owner insurance,那么你可以索赔。一般赔偿包括
(1)property damage,裤子,自行车和其他
(2) medical expense $75
(3)pain and suffering, usually for small cuts, 3 x true medical cost, check her bill to find out the "true" medical cost
(4) lost income, any sick time she took from work.
加起来自己算算应该有多少,然后和对方谈判一个数目;不要太贪,也不要怕麻烦,谈不拢就去small claim court告,大概一两千还是可能的。