Black Swans Exist…
- You or a family member are at-fault in an auto or boating accident
- Someone slips and falls on your property
- It’s raining and you “rear-end” a stopped car. The driver of the car that is hit has a neck injury.
- Another driver hits you and they don’t have insurance or have inadequate limits given your injuries and expected loss of income.
- Your teenager posts a message and photos online with disparaging remarks about an individual or business. You are accused of libel or slander.
- Someone has one too many at a holiday party and is involved in an accident
- A worker or household employee is injured on your property
- Your dog causes an injury to someone
- Your teen is in an at-fault accident and the best friend is seriously injured. The friend’s previously bright future is now in jeopardy.
- You shank the golf ball and it hits the surgeon on another fairway. He can no longer practice medicine.
- The wind carried those July 4th bottle rockets too far and a neighbor’s property catches fire
- You donate your time to a not-for-profit board. A pool installed by the board has a faulty diving board, and a neighbor’s child is hurt.
- A group of kids trespass while you are away and one of them is severely injured while diving into the shallow end of your pool
- Your nanny or other household employee accuses you of discrimination, sexual harassment, or wrongful termination
- The possibilities are infinite and resolution is in the hands of the court where you are sued.