Quote:
Originally Posted by Jandrews
That's a pretty thorough response right there. Enough to go on to get in touch with my homeowner's insurance and at least have the discussion. I do have regular homeowner's insurance now, of course, and also an umbrella.
I recognize that on its face it does not sound like a great idea. But is it really any different than having a kid getting hurt visiting? Jumping ramps on a bike out front...rough-housing in the basement...god forbid getting bit by your dog...etc... I mean to avoid all "liability risk" you have to lock your kids in the closet and not let anyone else within 100 yards of your house/kids. Just not practical, so I am just poking around to understand how this stuff would work in the real world if there was an incident. And as Bob said, above, anyone can sue you at any time anyway.
And for what it's worth, these kids are 13 going on 14.
Thanks,
JA
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(It is exactly the same.) Correction, it is very similar. The scenario's quoted above you are assuming more risk, fault, culpability. You can never completely avoid the risk, that's why there is liability insurance. Bob is also correct you can be sued at any time for any reason real or frivolous. In either case the insurance responds and defends against the suit, in most cases the defense costs exceed the award 10-1.