Personal Liability Insurance Awards Are Rising

Black Swans Exist and are Multiplying.. 

Working in the Yard


While doing yard work in front of his home, a teenage boy was struck by a sport utility vehicle. His parents, individually and on behalf of their son, sued the driver alleging negligence. They claimed that she was under the influence of alcohol, drove at an excessive speed, failed to keep a proper lookout, and failed to apply her brakes.The driver denied negligence and claimed that the boy was standing in the middle of the street outside of an intersection or marked crosswalk, and had negligently failed to yield to her right of way.

After a bench trial, the judge found the driver negligent.

Award total: $12,518,888

  A Dangerous Altercation

medical altercationIn an argument over an ex-girlfriend, a man lifted another man off the ground and dropped him on his neck. The altercation resulted in a neck fracture and paralysis from the neck down. The victim had multiple surgeries to fuse his spine and mend his esophagus, and spent weeks on a ventilator in a cast.He filed a lawsuit claiming that the man who caused his injury was negligent in throwing him to the ground using excessive force. He claimed damages for medical expenses, pain and suffering, permanent disability and disfigurement, lost income, and depression.  A judge ruled in favor of the plaintiff.

Award total: $20,750,000

Texting While Driving


A young driver was involved in a head-on collision killing a female student in her early-twenties. His cell phone records proved that several text messages were sent and received at the approximate time of the crash.

The driver’s record also showed that this was not the first time he was engaging in dangerous driving behavior.

The family of the victim sued the young man for negligence. They also sued his father, claiming that as the owner of the vehicle, he was negligent in entrusting his vehicle to his son in light of his driving record. A jury ruled in favor of the victim’s family.

Award total: $21,825,000