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Frivolous Lawsuits Begone with XINSURANCE

Society has become increasingly more litigious, with 15 million civil cases filed in the U.S. each year alone.* Common cases include traffic accidents, construction accidents, dog bites, defective products and medical malpractice. If on the defendant side of the aisle, you’re subject to innumerable court dates, constant dealings with lawyers and missed days at work, not to mention a formidable financial hardship. If you are the target of a plaintiff attorney, it will be a costly nightmare that can go on for years.


High Cost of Litigation

A recent report by the U.S. Department of Justice** revealed that judges seem to be more inclined to believe the plaintiff (56%) than juries (51%). The amount of damages that were paid out in cases that went to trial is as follows:

  • Half of all plaintiffs received no more than $24,000
  • The median award is $31,000 for all cases
  • The median award in motor vehicle personal injury cases is $16,000
  • The median award in premises liability cases was $90,000
  • Intentional tort cases had a median payout of $100,000
  • Medical malpractice cases paid out an average of $679,000
  • Product liability cases had a median payout of $748,000


In terms of time spent, the report found there were large differences in the court process for personal injury cases:

Tort lawsuits: 23 months (includes all negligence cases as well as intentional wrongs which result in harm)

  • Motor vehicle accident cases: 20 months
  • Medical malpractice cases: 31 months
  • Premises liability: 24 months

When you examine the numbers, this time-consuming and costly situation can easily break and individual, with a “cash register” that keeps running as the defendant remains entangled in the legal system. How, then, can an individual protect oneself, much less win the battle of a lawsuit?


Best Plan of Defense — Personal Liability Insurance

A growing number of people today are monitoring their credit score with apps like Credit Karma and Capital One® CreditWise® to protect their credit and their good name. Their assets, however, remain vulnerable. A dog bite, a house fire, a car accident, a slip in the Jacuzzi — anyone could render an individual penniless without a protection plan in place.


The experts at XINSURANCE, a premier insurance provider with the motto “For Life Unexpected,” suggest that individuals protect their assets with Personal Liability Insurance. Says Logan Fitzgerald, Underwriter & Policy Account Specialist at XINSURANCE, “Personal Liability Insurance is the best line of defense against any type of lawsuit. It allows an individual to take a proactive approach and put a solid protection plan in place for any of life’s unexpected events.”


While personal liability insurance serves to protect many individuals, countless others find themselves at risk, thanks to a label of “uninsurable” by standard insurance companies. Adds Fitzgerald, “We believe that everyone deserves protection — whether they own a big dog, race cars for fun on weekends, fly planes off-hours or coach. XINSURANCE is for every man and woman. No matter their lifestyle, they deserve to be protected.”


XINSURANCE — Covers the Everyday to the Extreme

Personal Liability Insurance form XINSURANCE covers everything from the everyday to the extreme — at home, work or play. XINSURANCE protects an individual from exclusions in their traditional insurance policy and provides financial security in the event of an accident.


Let XINSURANCE defend you against the nightmare that is frivilous lawsuits. XINSURANCE partners with you to help preserve your lifestyle, assets, and financial security by identifying and filling insurance gaps that expose you to paying costly damages from a lawsuit.


For more information on Personal Liability from XINSURANCE, contact us.