Your teenage daughter misjudges the space when she goes around a turning vehicle, and just taps the car’s right rear bumper. The other driver, an older woman, appears unhurt. She says, It’s Easter time, and I’m fine. Let’s just forget about it.
You were riding with your daughter and you think that’s a reasonable attitude, and agree. So you all go home to the Peeps and the chocolate eggs and have a nice life.
A few weeks later, however, your insurance company informs you that the woman is suing them and you for lost wages (although she had already been on disability for paranoid schizophrenia) and neck injuries (you’ve seen her in the shop where you work without a cervical collar) and pain and suffering.
Where did you go wrong? The so-called accident was only a tiny tap that barely scratched paint. There couldn’t have been an injury, as your terrified daughter tells your insurance company’s attorney prior to trial.
Prior to trial! Holy cow.
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