I think that's a pretty optimistic view based on my experiences. Have you ever been sued frivolously? Have you ever tried to get attorney's fees from the plaintiff in such an instance? Do you know how much that costs? If you look like you have money you are more likely to get sued by someone who has no money and no conscience just for being in the wrong place at the wrong time because it costs them nothing to find a lawyer who will take their case. Someone can punch you in the face just standing there doing nothing and then sue you for starting a fight. They can break into your house and sue you for hitting them with a bat to protect your family. Lawyers take those cases all day long because they get to deal with insurance companies in those cases and personal injury law really doesn't have much to do with facts like a criminal court does, it is totally perception, and a jury normally decides the award which puts the outcome totally up in the air based on the jury's personal experiences. Do you want to guess how often the rich guy wins in a jury trial?TIAX wrote: ↑Thu Jun 28, 2018 5:38 pmThat's a pretty simplistic view. Lawyers generally don't take loser cases and, if they do, they'll dismiss them pretty quickly once they see the defendant isn't willing to settle for nuisance value. And to the extent a case is frivolous, a defendant can usually get attorneys' fees from plaintiff.1CEBITN wrote: ↑Thu Jun 28, 2018 12:50 pm\Also remember one of the biggest, most ridiculous things in our legal system is it is "free" to sue someone. Plaintiff's lawyers don't get paid unless you win typically so anybody can sue you any time over any thing and some sleazy lawyer will take that case just to see if you will settle vs pay your lawyer to defend you (tens of thousands of dollars for a typical civil suit).
I have seen similar things happen to friends with money on a few occasions and, without their insurance company's lawyers getting involved, they would have been out a 5-figure sum just for the lawyer fees to go through discovery before it even got to trial, irregardless of the outcome of the case. That would be the point the plaintiff's lawyer would be able to tell he had a dud. I had a buddy driving his Mercedes E-class who cut a guy off in traffic inadvertently, just never saw him, the guy proceeds to pull a gun from his door pocket, holds it up so my buddy can see it. My buddy tries to get away from him by making a quick turn from his lane (legally). The guy chases him across a lane of traffic, hitting another car, and then sues my buddy because now he has "back problems." That's a pretty extreme example but the insurance company settled rather than taking their chances in court even though that guy is obviously a whack job (his lawyer is too). OJ was acquitted and still had to pay for wrongful death as another example. No comment on OJ's guilt/innocence but just a data point that criminal law and injury law are not related in all cases. Logic doesn't always apply in a personal injury case.
My point is, get the umbrella, it is cheap and buy more than you think you need because there are a lot of ways you can get sued in this country.