“I should sue them!” You hear those words said all the time. You’ve actually probably said them yourself. This phrase is sometimes used jokingly – after a bad haircut or the waiter spilling water on you. But often it’s said in frustration. Something has gone horribly wrong through no fault of your own. You feel victimized, powerless. We don’t trust the guilty party to adequately fix or make up for their error. Maybe they’re denying fault all together. And pursuing a lawsuit against them feels like the only way to be heard, for the truth to be known – to receive justice. Regardless, once these words are said, your next step is: am I serious?
Each year in the United States there are approximately 5 million police-reported motor vehicle accidents. At this high rate, odds are good you will personally be involved in a car accident at some point in your lifetime. Many of us, thankfully, never experience more than mild fender benders or parking lot scrapes. However, around half of these reported accidents involve some sort of injury. In other words, over two million people a year are injured in the U.S. as a result of a motor vehicle crash. If you are a driver, you likely understand your rights regarding insurance and coverage. But what about passengers? A passenger rarely has any culpability when a crash occurs, putting them in the unique position of being a victim regardless of whether the car they were in or another’s caused the accident. If you are injured in a crash, therefore, it’s helpful to know what compensation you may be eligible to pursue for your injury and damages.
If there is one thing as common as the use of cell phones, it’s concerns about the safety of cell phones. We worry about the safety of our information on cell phones -- as they may get “smarter”, so do their hackers. Scientists even disagree about their effect on our health – maybe they cause cancer, maybe they don’t. But one thing we know for sure: cell phone use does and has led to an increase in traffic accidents and fatalities. This is why more and more states have enacted laws regarding cell use while operating a vehicle. Today, most are aware not only of the physical risks, but that we risk tickets, fines, and even jail time. There is little doubt that such a driver can also be held liable for any damages and injuries they cause. But in a recent surprising lawsuit, the question was raised, “Can the person on the other end of the line be held equally liable?”
An important part of home ownership is making sure you are protected by homeowners insurance. Devastating events like fires and floods are tragic enough without the prospect of not being able to replace your home or belongings. However, homeowners should be aware that insurance is not just a way to repair or replace their home in the event of damage or loss. A vital part of homeowners insurance provides coverage in the event someone is injured while on or by the owner’s property.