Re: PTA liability
John Pannell (PANNELLJ@DELPHI.COM)
Thu, 19 Oct 1995 10:41:04 -0400
This is only indirectly related to Scouting but can be crucial to any
American volunteers as evidenced by the SHORT quote below.
>I have to back Cheryl up on this. I have been co named in a suit that had
>no foundation and was ultimately dismissed, when Federal charges filed
>against the person originally filing. Doesn't matter, I am out $9000 of my
>own money. It is possible to find a PTA member, a church/synagogue...
It is now probably too late for Claudia, but ANYONE when faced with a
personal liability suit should IMMEDIATELY contact the insurance company
that writes their homeowner's or tenant's insurance or your insurance agent.
Most such policies provide $100,000 in personal liability coverage as well
as the insurance company's responsibility to defend such claims.
For those who rent but do not have tenant's (or renter's) insurance, this
alone is reason to purchase it given the state of the American legal system.
It is very cheap, about $100 per year, depending on where you live.
Be VERY careful. The company requires notification of such legal action as
soon as possible or they have the right to deny coverage. You are also
forbidden under the terms of the policy to undertake any legal action
without first consulting the insurance company.
It is probably too late for Claudia to recoup her money, but hopefully now
others will be a bit more aware of their rights in such a situation.
FWIW, I am an actuary by profession. However, DO NOT take my word on this
as the absolute truth. Always consult your insurance agent or lawyer as the
soon to be something in Three Fires Council, IL
I used to be a buffalo... (SR-92, working ticket)
...but I will always be an Eagle (1981)
Terry Howerton Sakima Group, Inc. SCOUTER Magazine Kansas City