I'm a US citizen with a US driver's license, currently living in London. I don't own a car and I don't have car insurance. I'm planning to rent cars on holidays in the UK and elsewhere in Europe a few times this year. How do I do this without buying the typically exorbitant insurance coverage from the rental agencies and not relying on the limited coverage that my US credit card offers? [more inside]
I recently quit a new job because of a toxic and dysfunctional environment. In my resignation letter I just said it wasn't a great fit, but a few days later they contacted me and asked for honest feedback about why I left. Friends are concerned that responding could open me up to some sort of liability. Should I? [more inside]
I am an attorney assisting with the representation of an elderly man in probate court in Michigan. Certain family members of this man are trying to have the State of Michigan declare the elderly man incompetent and to appoint a guardian in probate court. The attorney for these family members has hinted to the jury that the jurors themselves could be liable later if they find the elderly man competent and do not appoint a guardian, but then he subsequently goes out and injures someone somehow. [more inside]
Looking for someone who's had this experience to tell me the end of your story: you injured yourself (through personal clumsiness) while at a friend's house, your health insurance paid for your ER visit. Your insurance company asks you "where did this accident occur?" and you reply... something... in the hopes that neither your friend nor your friend's property insurance is held liable. [more inside]
Let's say I was driving a rental car and getting pulled over. Let's say the police found something that wasn't supposed to be there. Rental cars are being driven by lots of people. Would I be held liable? Is it my responsibility to i.e. search below rear seats to make sure nothing was left? [more inside]
Our friends want help to get a better mortgage rate, how risky for us? [more inside]
This is hypothetical. I have allowed somebody to drive my car (in British Columbia, Canada) who I know does not have valid driver's license. She has a crash in which somebody else is badly hurt. She (the uninsured driver) does not have the money to pay the damages. How liable am I for these damages, and will my ICBC insurance cover them? If my insurance doesn't cover these damages and they are extreme, are all my assets endangered? (ie: worst case scenario, could I lose my home?)
YANML. What's next? Have I covered my bases? Do I need to lawyer up? The short version: My husband and I were walking our dogs. Our newly adopted dog broke free of his collar and ran across the street to attack another dog. My husband reacted fast and broke up the fight quickly. The other dog was not badly injured, as far as we could tell, just a bite on the hind leg. The dog's owner was understandably furious. We exchanged information, I promised we would pay any vet bills that resulted from the incident, and he left. More details inside. [more inside]
Hi all, When I was 10, I took stomach drug called Propulcid, which gave me permanent Epilepsy. I am now 26 and want to sue the makers, but the statute of limitations in Maryland ended at age 21 (I'm 26 now). I want to sue, but given these limitations, no contingency-based lawyer will take my case. What can I do? Thanks!
My girlfriend (who is from the US) is going to Canada to do a mural in a hotel and they require her to have 3rd party insurance/liability insurance. She is only going to be there for a week and she's only making $1000 for the project so she doesn't want to spend all her money on insurance. Do any of you know of a cheap and quick way to get temporarily insured in Canada? [more inside]
Earlier this month, my 2007 Toyota Prius stalled right after a drive-through oil change (where you sit in your car while the work is done). I had it towed back to the oil place, and they checked and said no fluids were leaking and confirmed they'd used the right kind of oil. Then I had it towed to a Toyota body shop--it wouldn't go into neutral at that point, in case that's important--where the service dept. checked various things, drained the gasoline and refilled with new gas, then drove the car 10 miles with no problem. I have the receipt from the last place I bought gas (5 days before the oil change; a chain service station called Mapco Mart) and a receipt from the body shop saying the "fuel volatility [was] poor" which caused the stalling. I also have a receipt for the oil change showing what they did besides the change itself: they added windshield washer fluid and checked that brake lights, headlights, and wipers were working. Should I go to the gas station in person, or write to or call the company that owns it, or something else?
Yesterday, my partner slipped and fell while dropping our kid off at preschool. Every possible option about how to handle this makes me uneasy. You're not my lawyer, but that's okay, because my question is not if I can call I lawyer (or let my insurance company do the same), but whether I want to do that... [more inside]
I have a sudden need for a car for the next several months. An awesome friend has offered to lend me his. What could go wrong? [more inside]
I hit a large, well camoflaged and unmarked "pothole" in a nearby town in MA. It was impossible to see. It ripped the oil pan out of my car and cost me $700 (towing, repair and rental car). I was not driving recklessly. Is it worth the trouble of getting in touch with the town and asking them to reimburse me? [more inside]
Are we liable for what people on our social networks threaten to do should they follow through on those threats? [more inside]
A car exits the parking ramp, assumes it is a normal street, turns right, and gets completely creamed and T-boned at the very next intersection, and everybody in both vehicles dies. Can the parking ramp or the city be sued for not providing adequate signage?? [more inside]
I have a good idea for a web application, but I'm worried it might incur the wrath of a few specific larger companies. Would it be a good idea to create a business entity to protect myself from any personal liability I might be exposed to? [more inside]
I'm evaluating my insurance coverage, and I'm confused a bit on auto insurance liability. It seems like a typical liability policy is $100k per person for bodily injury. From the tales of medical bills I've heard, it seems like a bad accident could pretty easily cause bills far exceeding that. Even if I increase it to $300k or $500k, if the actual costs are higher than that, it could pretty easily wipe out all my assets. What really happens in accident cases like that? Do they generally just settle for the insurance limits? [more inside]
The other night there was a fire in my friend's building in New York City; the fire was on the 10th floor, he lives on the 21st. He wasn't present while the fire happened, but there was smoke damage to his apartment, particularly to his clothes. My friend doesn't have renter's insurance. [more inside]
Seeking insurance broker recommendations for a new family in NYC. Co-op, Auto, and now with progeny, Life. Obviously want a person/office that we can trust, and will look out for our interests in the long haul. We live in Queens, and work in Manhattan. Bonus question: are any brokers fee-based, or do all work on commission-type arrangements?
During a windstorm, a tree fell on our detached garage last night and destroyed it (no cars were in it, but the roof is completely caved in and the walls are buckling). We live adjacent to a public high school, and the tree was/is on the school's property, not ours. I filed a claim with our homeowners insurance already and asked if I should call the town directly or if the insurance folks should do it. The call center person I spoke to recommended that I wait. The claims adjuster is supposed to call "before tomorrow evening." I'm feeling antsy. Should I just go ahead and call the town? Would I be letting myself in for any potential foul-ups in reimbursement (either from insurance or from the town)?
After reading a number of articles such as this on Metafilter, I realized that I might want to have kids soon, before it's too late. I have a biological clock and that instinct is telling me I ought to propagate before my sperm becomes useless. However, I have no immediate desire to parent anyone. My instincts are only concerned with reproduction, not any of the details. My thought is that I could become a sperm donor. I have no emotional need to ever meet my kids (though I have nothing against it either) - it would be enough to know that they're out there somewhere. However, I am confused by some of the potential ramifications. (Snowflake details inside.) [more inside]
What am I liable for if my dog damages someones property while they are on my property? I am happy to replace damaged property but can I be liable for anything else? I know YANAL or even my lawyer just wanting to know what to expect. [more inside]
Does New York State law allow anyone other than a licensed Architect to sign off on a building project? [more inside]
My friend owns a property jointly with several other family members. What are his options for 1) limiting his liability 2) optimizing the legal/tax situation for hypothetically putting capital improvements into the property and 3) optimizing the legal/tax situation for transferring ownership when a part-owner passes away or sells their interest? [more inside]
Major depressive episodes and individual (USA) insurance repercussions. Should I let my psychologist submit this? [more inside]
My 18 year old daughter is renting a "college rental" house with three other 18 year old females. I've just read her lease and I have a question about the portion I have to sign... [more inside]
Asking for a friend- Who is responsible for the cost of repairs after a house fire? I am renting the house. I have renters insurance. The fire report said no negligence on my part. I'm located in California. [more inside]
Should I just let my zombie Yahoo! account alone? [more inside]
How worrisome is it to have an easement with your neighbor on a path between the two properties? I am mostly worried that someone might break their neck there, then sue me. Is that a legit issue? Are there other angles to this that I should consider? [more inside]
My daughter was in the bathroom stall and got her thumb pinched in the door when another patron open the door. Her thumb was cut and needed six stitches. ER visits are expensive, should the restaurant help cover the costs?
How can I determine the best way to find a lawyer to work on a consumer liability case that is not the stereotypical ambulance chaser, slip and fall guy? All I want is what is fair. I am in the Detroit (Northern) suburbs.
From a policy perspective, what exactly is the difference between a Medicaid spend down vs. a liability? I work for a healthcare provider, so I know what they are and this question is not about the actual mechanics of paying either from a beneficiary perspective. [more inside]
The 7-11. You take a penny from the tray, right? Well those are whole pennies, right? I'm just talking about fractions of a penny here. But we do it from a much bigger tray and we do it a couple a million times.
What are the risks of online banking? Has anyone developed best practices for consumers and bankers regarding security? [more inside]
If I clear snow badly, can I be liable for someone else's injury? [more inside]
Will I have to undergo a credit check in order to form an LLC and open a business checking account for that company? [more inside]
How does one get "licensed and bonded" for liability insurance with dogwalking/housesitting, and a bonus question about umbrella policies for a personal business [more inside]
What is the catch here. Business creating a seperate LLC for company cars. [more inside]
Is it worth forming a single person LLC for moonlighting and other tips for LLCs? [more inside]
Asking for a friend: What happens to a charity (in Canada) if the entire board resigns on mass? Who is legally responsible for the organization until replacements are found? Does the CRA revoke their charitable license? [more inside]
My car was recently totaled. I'm switching to Zipcar, but I've read that Zipcar's insurance isn't enough (e.g., here and here). Which parts of my current insurance policy should I keep? [more inside]
My apartment flooded last night due to the unattended over-flowing toilet of the neighbor upstairs. Stuff is ruined and gross. I already called my rental insurance agent. Now what? In Brooklyn, NY. [more inside]
We are staying at an off-strip suites hotel in Las Vegas. Found bed bugs after our first night, and after an initially good response, we're concerned we're going to get the run-around from the hotel. Additional complications with pregnancy and chemicals mean that we need to be sure we're bug free without poisoning our little one, but I don't think the hotel has the same priorities... [more inside]
YANML, but what's the situation for non-owner car insurance in Arizona? How can I minimize liability for both myself and a non-family member if she, a new driver on a learner's permit, is operating my vehicle? [more inside]
What responsibility does a mortgage company have for the approval they granted to a builder (before paying the builder) on a house that is now an utter disaster? [more inside]
I have a challenge in our computer repair storefront. We recently had an issue wherein someone tried to scam us on an iPhone repair. [more inside]
I'd like some guidelines on how to be reasonably cautious with my child's health when I can't tell if the nurses are overreacting or not. [more inside]
Looking for references or citations regarding legal requirements (or due diligence) for lodging facilities, hotels, or guest houses to obtain the contact information of their guests. [more inside]
Can I lower my tax liability while still being claimed as a dependent? [more inside]
I want to drop one member, pick up a new member, and change the name of my limited liability company. Is that possible? [more inside]