Re: First Aid & Liability
Nathan Brindle (NBRINDLE@INDYCMS.BITNET)
Thu, 6 Oct 1994 09:21:55 EST
On Thu, 6 Oct 1994 07:34:51 -0400 Paul H. Brown said:
>> > Most homeowners insurance policies will protect you from negligence, such
>> > as negligent first aid. This includes paying for defense costs.
>> Yeah and if you're student who rents then what?
>Ya got renters insurance (covers your boom box, computer, other
>necessities)? It will probably also have a personal liability portion.
>Not all that expensive, in my experience.
Most students I know don't have renters insurance. It's just another
expense. (Hell, my girlfriend doesn't have it.) The other thing is,
I'll BET you'd get cancelled as soon as they were done defending you
in a case like that. Liability insurance companies are pretty quick
on the trigger.
This goes back to the thread some time back about Scoutmasters and the
need for a separate liability policy specifically to cover them in the
event of a Scouting-related mishap. I know no Scoutmaster who would
like to see his homeowners cancelled because of something that had
nothing to do with his home. :) (I speak from experience--we had
a dog once that allegedly bit a little girl--doubtful, as this dog
wasn't a biter and there was another dog in the neighborhood that
looked almost exactly like him that ran loose all the time, as opposed
to ours that only got out by accident from time to time--and in the
ensuing fracas, Mom and Dad's homeowners was cancelled.)
That said, the expense involved probably makes this prohibitive, and
most if not all Scoutmasters and Scouters in general are probably going
to continue to rely on their homeowners underwriter to protect them
in a liability case.
Just my $0.02, YiS,
Terry Howerton Sakima Group, Inc. SCOUTER Magazine Kansas City