It would likely be a long drawn out affair to collect from the seller or their insurance even if you could prove they were at fault. It is best to carry your own insurance that will pay and let them decide and go after another party if needed, that is what they do best (avoid paying out of their own pocket).
Make sure your own health coverage will cover you "on the job", many don't. I could get cheaper health insurance through my wifes employer, but if I fall off a roof on the job, they won't pay. And keep disability insurance.
Jim

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Jim Luttrall
Mr. Inspector.net, Inc.
Allen, Texas 75002