kruptcy. And what about ? They wouldn't get all the damages they deserved. (Collecting damages is...

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kruptcy. And what about ? They wouldn't get all the damages they deserved. (Collecting damages is often harder than being awarded them.) That's why car owners, property owners, doctors, engineers, business owners, school boards, and almost anyone you can think of has some form of liability insurance. It protects them and it protects the victim. The insurance adjustment process also can help settle most cases out of court, which is often faster, less expensive, and less troublesome for everyone. We'll examine liability insurance protection in a later lesson. Learning Activity 3: Is It a Tort? The following examples will give you a general idea of how torts work. Imagine you're a judge doing this for the first time without any legal training to guide you. Use your common sense to decide what's fair and what's not. Try to identify the: tort victim (wrongly injured person) . injuries (emotional, physical, or financial) wrongdoer (person legally at fault) wrongdoing (should have done, should not have done) Then check to see how your common sense analysis compares with a common law interpretation by checking the response after each example. 1. A young man, driving his older brother's car, runs a red light and collides with a rented pickup truck proceeding on a green light. Both vehicles are damaged and both drivers are hurt. 2. A guest arriving at a house slips on an unlit, unsanded icy sidewalk. She breaks a leg and is unable to work for two months. kruptcy. And what about ? They wouldn't get all the damages they deserved. (Collecting damages is often harder than being awarded them.) That's why car owners, property owners, doctors, engineers, business owners, school boards, and almost anyone you can think of has some form of liability insurance. It protects them and it protects the victim. The insurance adjustment process also can help settle most cases out of court, which is often faster, less expensive, and less troublesome for everyone. We'll examine liability insurance protection in a later lesson. Learning Activity 3: Is It a Tort? The following examples will give you a general idea of how torts work. Imagine you're a judge doing this for the first time without any legal training to guide you. Use your common sense to decide what's fair and what's not. Try to identify the: tort victim (wrongly injured person) . injuries (emotional, physical, or financial) wrongdoer (person legally at fault) wrongdoing (should have done, should not have done) Then check to see how your common sense analysis compares with a common law interpretation by checking the response after each example. 1. A young man, driving his older brother's car, runs a red light and collides with a rented pickup truck proceeding on a green light. Both vehicles are damaged and both drivers are hurt. 2. A guest arriving at a house slips on an unlit, unsanded icy sidewalk. She breaks a leg and is unable to work for two months.

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