The law in California uses a concept called “constructive notice,” which basically means that if the condition existed for long enough that someone should have discovered it, upon reasonable inspection, and done repairs, than the conduct of the property owner or maintainer was not reasonable.
If you have been injured by someone else’s property, you may have a valid claim for recovery of medical expenses, lost earnings and pain and suffering damages.
Intentional torts cannot be protected by insurance; however, the insurance company may end up defending the suit and hiring a lawyer to protect you.