I live in Virginia Beach, Virginia where I rent an apartment. Tuesday morning while walking toward my car, as I was stepping down from the curb to approach my car. I fell to the ground. I sustained an injury to my left knee and sprung my right ankle/foot. I notified my apartment complex of the incident and was told that they would file a liability claim and repair the area, but they don't have personal liaibility insurance. If I file a suite, would I have to move?