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My family has had a German Shepherd for almost 12 years now. She’s a wonderful dog. Her name is Bella (no, she isn’t named after the girl from Twilight), and she is a sweetheart. German Shepherds have the uncanny ability to look brilliant. Like, brilliant to the level of being able to buy groceries and defuse bombs upon command. Bella is the same way. Her ears stand erect, her posture is vigilant, and her overall demeanor commands respect and epitomizes courage. At least, that’s what she looks like. As her family, we know that Bella is afraid of cats, poodles, most birds, fireworks, thunder, the sound the heater makes as it’s turning on, and anyone going more than thirty seconds without petting her. Basically, she’s a big sissy.
No one wants to get into trouble. Nobody wakes up and thinks, “Boy. Today, I think I’d like to test the limits of my legal and insurance coverage. Honey? Get the 4-wheelers out! We’re going to test them out on that golf course.” Trouble is a thing that pops up when least expected. The trick to taking care of trouble is making sure that as many of these little gaps as possible are not problem areas. Without being alarmists, it can be surprising the things that American adults can be found personally liable for. A large lawsuit can boil down to something simple like: