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Volunteer Liability

In this day and age, some people are what I like to call “sue-happy.”  Meaning that they will sue for just about anything.  Last year was no exception and 2011 brought 10 of the most ridiculous lawsuits to date.  These suits included a convict suing the couple he kidnapped for not helping him evade police, a woman sued because the “Drive” movie trailer did not contain enough actual driving, and another woman sued a store for $5 million because of a disagreement about an 80-cent refund.

Yes, these are all for real, and you can check them out more at the link above.  These lawsuits conjure up all kinds of feelings of ridiculousness and absurdity, yet frivolous lawsuits occur all the time, and the worst part is that some of them actually come out victorious in court.

Would suing a paramedic because they slightly bruised a child’s ribs when performing life-saving CPR make your list of unreasonable lawsuits?  What about suing a firefighter for rescuing someone that sustained burn injuries due to being carried out by the firefighter?  In both of these situations, it seems absolutely ludicrous to sue the people who in fact saved someone’s life, but it happens.

The worst part is that many of these wonderful people are often volunteers, especially in smaller towns where municipalities have a difficult time finding enough money in their budget to fulfill the needs of the town.  Often times retirees offer their services and time to better their communities, but the risk as a volunteer is that they aren’t fully insured.  These volunteer policemen, firefighters, paramedics, etc. can be held liable in situations that simply require them to do their jobs; however, legalities don’t always see it that way.

With XINSURANCE’s supplemental coverage these great people will be covered against the gaps, exclusions, and limits in their existing coverage or lack thereof, and they’ll be able to serve their communities with confidence.