Hang 10 said:
Henry Ford said:
Hang 10 said:
Henry Ford said:
Here, I've got a good example actually.
Woman goes to her friend's house, has two beers over a several hour period, eats dinner, goes to leave. As she is leaving, she misjudges the bottom stair, steps weirdly, breaks her ankle, and the bone shoots through her skin. She ends up requiring multiple surgeries. It's her right ankle and she drives a cab for a living, so she's out of work for months.
She makes a claim with the homeowner's insurer. Insurer denies. She ends up losing her house, her kids have to go live with a family member because she's homeless and couch surfing, can't even afford her pain meds. So she files suit. Fortunately, in a state where she can sue the insurance company directly.
Frivolous?
What if it happened at her own house. Does her homeowners insurance pay the bills?
Liability insurance doesn't cover
you getting hurt. It covers
other people getting hurt, because you're the one who's liable.
Maybe I just don't understand why someone else would be liable when it's you that can't walk down steps.
I never did much slip-and-fall work, but back in the day it was pretty easy to defeat a typical slip-and-fall case.
Generally speaking, it used to be that a landowner was liable for defects on the property, if they had
superior knowledge of the defect.
So, for a typical Slip-and-fall, you depose the plaintiff, and you get to the part about the accident:
Lawyer: Did you see the [water on the floor] before you fell?
Plaintiff: (nobody wants to admit that they saw the "defect", and in fact it is usually fatal to their claim - because then the landowner no longer had "superior" knowledge) No, I never saw that the [floor was wet].
Lawyer: After your fall, did you see the defect?
Plaintiff: Can still go two ways here - Yes. I landed in the puddle, or No, I never saw what caused me to slip. "No" is fatal because now you have no defect, so you usually get "yes", which leads to the final nail:
Lawyer: If you had been paying attention, could you have seen the defect before your fall?
Plaintiff: (The claim is already fatal by this point, but the plaintiff does not fully realize it) If plaintiff answers Yes - then they have failed in their own duty to exercise care by not watching where they were going. It is no defense to have been distracted by something on the shelf, to take your eyes off the floor. As a last ditch effort to save the case, most plaintiffs will say, no, even if they were watching where they were walking, they would not have seen the defect - because nothing is ever their fault. But, when they do that - they have precluded (in most cases) that the landowner could have seen the defect - thus the landowner does not have "superior" knowledge of the defect - and you win on a summary judgment.
If it is a supermarket, or store that regularly gets sued for slip-and-falls, they will have a "sweep log" showing that they took regular care to keep the floor clean and safe, and had no prior knowledge of the defect. Lawyer simply attaches that with an affidavit from the store manager, and the plaintiff had no chance.