An insured was injured as an innocent bystander when someone committed a felony. the insurer is

Liable to the insured for the loss

There are different kinds of insurances available--health insurance, home insurance, car insurance, life insurance, etc.

Specific types of insurances relevant to the given situation (above) are health, injury and illness, and personal accident insurances to name a few. Health insurances cover certain medical costs, and personal accident insurance covers accidental death and disability. Illness and accident insurances protects a person against the economic repercussions brought about by certain mishaps and gives relief to the ill or injured person or a dependent.