Our final advice to our clients: Make a careful and conscionable decision as to how much liability insurance you will need in order to keep your assets.
Accidents can be generally categorized as follows:
I. Accidents On Your Property
1. A bonfire in your backyard by teenage children explodes as a result of a teenager’s pouring gasoline on the fire. People are injured and killed.
2. A typically friendly dog bites people on your property causing serious injury.
3. A Federal Express delivery person falls on your driveway in the wintertime and is seriously injured. The driver sues and the workers’ compensation carrier for the driver also sues to collect what it pays as a result of the injury.
4. While the parents are on vacation, teenage children have a party at your home causing serious injury to other teenagers because of fights, intoxication, etc.
5. Homeowners have a pool party for friends and a drowning occurs.
6. A barbecue or bonfire at your cottage starts a fire that causes a forest fire that burns down several adjacent homes caus- ing injury and damage.
7. Your Christmas tree catches fire causing injury to friends of your children staying overnight.
8. Fireworks on your premises misfires during the holidays cause serious injury to by-standers.
9. A homeowner’s rotted tree falls on the house next door causing damage and injury.
10. While showing a gun, it accidently goes off causing serious injury to others. The homeowner is sued. The parents are sued.
11. An Air-Soft gun used by your children damages a friend’s eye.
12. Parents purchase a trampoline for their children; however, while away, neighbor- ing children use the trampoline and serious injury results. Parents are sued.
13. While you are away, a neighbor’s young child gets into your garage and is injured while being exposed to fertilizer or other chemicals.
14. Husband and wife have a rental home that they lease to others in their personal names. A fire arising out of inadequate maintenance injures or kills the occupants.
15. While visiting, a friend of one of the homeowner’s children is exposed to peanuts and as a result of a peanut allergy, a serious injury occurs.
16. A visiting child falls from a second floor window after a screen breaks from the window causing serious injury.
17. A cabin that you rented to others explodes because of a propane leak and a family of four dies.
18. In a rental home, a defective window killed a child.
19. As a result of a toilet that was not maintained properly, a water break occurs causing damage to the condominium below and adjacent to the condominium causing severe water damage to those units. The condo owner is sued by the unit owners.
20. A fire in an individual condominium causes serious injury to an adjacent unit owner and they sue.
21. An inflatable slide collapses causing injury to visitors.
22. A private sledding hill causes injury when a child slides into a railing.
23. A rented home had defective locks and as a result, the tenant was injured when raped by an intruder. The tenant sues the rental owner and wins and takes the home of the rental dwelling owners because the rental home was in joint names and their insurance was not sufficient.
24. In a rental home owned personally by husband and wife, a tenant was injured because of the growth of mold that was not remediated by the owner of the dwelling. The tenant suffered injuries as a result of mold related allergies, and asthma ensued.
25. Two neighboring Fourth of July fireworks parties were being celebrated 300 feet from each other in Cass County. A cannon was overloaded with Pyrodex which exploded, blowing shrapnel through a hole in the roof. A large piece of shrapnel flew nearly 300 feet down the beach and struck the plaintiff in the back of her head while she was conversing with several of her grandchildren. This person died and the estate sued the homeowner. At trial the operator of the cannon was found to be legally intoxicated when he fired the cannon. There was evidence that he was served drinks at both parties.
26. At a birthday party a jumping device is rented and children are injured inside the device.
27. A defective overhead garage door at a dwelling owned by husband and wife caused serious injuries to a child living in that home. The husband and wife were sued.
28. In a rental home that you own, six of seven family members die from smoke and soot inhalation. No smoke detectors, which were required by city ordinance, had been installed. The husband and wife homeowners were sued.
29. 35-year-old died a week after being injured while hosting a Fourth of July party, when he bent over to light a firework in a tube and it exploded.
30. Husband fell through attic flooring above the garage on his rented, residential property and suffered a fractured pelvis and wrist, as well as impotence.
31. Gas explosion at her home4 years ago, left mother of two young children with burns up to 40% of her body, undergoing skin graft surgery on her forearms and feet.
32. 18-yr. old woman and older brother were killed when a massive bonfire built for her high school graduation party exploded. Witnesses reported the man had drenched the bonfire in gasoline, then invited his sister to set it afire.
33. Woman slipped on ice while exiting the front door of her apartment, suffering fractures of her right tibia and fibula, requiring surgical repair. The overhang over the porch showed visible signs of damage and regularly leaked. Maintenance employees testified they failed to salt the common porch area.
34. Absent property owner, with a relative staying on the property caring for the land and animals, created a public nuisance when horse escaped, killing both horse and driver on the road. Was animal elopement previously known, making this a continuous public hazard? Was abatement of this issue a reasonable expectation?
II. Accidents On Your Property
1. A contractor working at your home is electrocuted and sues the homeowner.
2. A roofing contractor falls off the roof while repairing your roof and sues you.
3. A drywall contractor falls ten feet through an uncovered basement access hole, suing the homeowner.
4. A laborer entangled while digging post holes becomes a quadriplegic and has sued the homeowner.
5. A roofer falls off a roof after receiving an electric shock, suing the property owner.
6. A gardener subcontractor is electrocuted while mowing a lawn using the home- owner’s electric lawnmower and sues.
III. Accidents Away From Your Property
1. While deer hunting, a family member accidently shoots another hunter.
2. A family member volunteers to coach a children’s athletic team and, as a result of inappropriate supervision, a child is seriously injured.
3. As a part-time athletic trainer, you give inappropriate instructions and your client is injured.
4. While golfing, a golf ball injures another golfer.
5. Food that you provide at a party away from your home causes food poisoning.
6. A paintball party causes serious injury.
7. While boating with a boat owned by the parents, a teenager causes serious injury while drinking and operating the boat. The parents are sued.
8. At a wedding that parents are providing for their daughter, people become inebriated and after leaving the wedding, cause injury.
9. A seventeen-year old, after a prom, goes to a party and gets into an altercation where another person is seriously injured.
10. A drunken teenage son breaks into someone else’s home causing serious injury to the homeowner.
11. A parent constructs a loft for a dorm room. The installation was not adequate and the loft collapses, causing serious injury to a roommate.
12. A latch on an owned jet ski fails, causing injury to a friend that was using the jet ski.
13. Hepatitis A occurs and the person dies as a result of wedding reception food that you have provided for your son.
14. A brawl at an Eagles hall causes serious injury to a bystander.
15. A fishing boat passenger drowns.
16. An intoxicated teenager assaults someone else attending a party.
17. In a dispute with neighbors, a wife writes untruthful letters about the neighbor and emails them to hundreds of individuals. One of the letters called the neighbor a lunatic, mentally ill, vengeance seeking and a criminal. It is determined that these statements were false and the homeowner was sued.
18. Decedent died from complications from Hepatitis A. A married couple attended a family wedding. Out of approximately 270 guests, 29 contracted Hepatitis A virus in the weeks following the reception.
9. High school soccer player was kicked in leg, dislocating knee, tearing 3 ligaments and severing artery, escaping traumatic amputation of his lower leg by a matter of minutes. Opposing team player and 2 referees were sued, questioning the inten- sity of the kick as unintentional and, instead, purposeful, as agitation and anger was observed to have increased during progression of the game.
20. While assisting a 12-year old with his swing during an elementary school golf class, the other 12-year old was hit in the mouth, knocking out 4 teeth, including fractures to the palate.
21. Reacting to a child’s screams, a neighbor drowned after sliding down the embank- ment of a water-filled excavation pit at a Detroit home development site, keeping the 7-year-old boy above water until a police officer arrived to pull him to safety, saving him from drowning. The 12-year- old daughter witnessed her father’s death. Justice was sought for the people who put the hazard there in the first place.
22. Teenagers at a party shoot off fireworks. One device struck the neighbor’s room causing a major fire damaging the house.
23. At an outdoor wedding, wife went to her car to get boxes and returned using the walkway which was slippery from the rain. She slipped and fell, suffering a right humeral fracture.
24. The night before high school graduation, teens attended a party at a home where alcohol was served and consumed and marijuana was smoked. Attendees were ordered home, but drunken teen slept in his car in the driveway, which rolled into the river in the middle of the night, and unable to escape, the teen drowned.
25. Relighting a citronella fire pot by pouring fuel gel onto a smoldering flame caused the gel to burst into flames, exploding onto a middle school teacher who was standing a few feet away. She suffered severe burns over 21% of her body. The gel created an unreasonable danger as burning flames were invisible while the fuel’s vapors traveled quickly to ignition sources.
IV. Automobile Accidents
1. Without permission, teenager not of driving age “borrows” the family car sitting in the garage while the family is not home, takes a friend for a ride, and causes serious injury to the friend.
2. A young driver of driving age drives his parent’s car causing serious injury to another driver resulting in a claim made against the parents. The house is lost to the injured party because the insurance was not adequate.
3. A four wheeler is borrowed by a friend who hits a tree and dies. The estate sues the owner of the recreational vehicle.
4. A small toy electric scooter used by a child without supervision goes in the street and the child is seriously injured. Parents are sued.
5. A plaintiff drove an ATV on a driveway after drinking and hit an invisible wire fence, suing the property owner.
6. The plaintiff, a 15-year-old high school student, suffers a severe traumatic brain injury when one of his friends, the 16- year-old defendant, purposely drives erratically on snow-covered roads. While joy riding, the defendant slides his vehicle at 50 miles per hour through a stop sign and directly into a tree, which sliced into the back seat, striking the plaintiff in the head, while seated in the back seat.
7. A 21-year-old family member purchases beer for underage friends. A serious automobile accident occurs, causing injury. The homeowner is sued.
8. A passing vehicle on dirt road created a dust cloud, preventing driver from seeing oncoming car and they collided. She obtained a protruding lumbar disc and radiculopathy. She has not worked since the accident 3 years ago and claimed 15 years of future wage loss.
1. Your teenager defames or slanders someone on social media
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