Problems at Billy Bob's We are returning to our ***** establishment of Billy Bob's Hillbilly Bar and Grille. This respected, popular purveyor of fine cuisine carries the following Liability Coverage which runs from January to January: General Liability: $300,000 per occurrence $600,000.00 aggregate Products/Completed Operations: $300,000.00 per occurrence $600,000.00 aggregate January 2007: During a snowy night, a drunken customer slipped on the icy side walk in front of this establishment. The walk was not shoveled or salted. He broke his leg, suffered all kinds of pain and suffering, and had a two month vacation from his employment as a septic tank cleaner. He made $200.00 per week and all he could steal. His medical bills were $20,000.00. Based on the above, what would be a typical settlement by Billy Bob's insurance company? Since PA is a comparative negligence state, how could that change things? If this happened in a contributory negligence state what could be changed in the settlement? March 2007: A customer became sick and died after eating trout sushi served during Happy Hour at Billy Bob's Downtown Thursday Night. This person had a family with three children. What would the insurance company probably pay? May 2007: Someone gets drunk at a bachelor party held at Billy Bob's. On the way home, the drunk drives his car into a house, causing $75,000.00 in property damage. The passenger in the drunk's uninsured car is killed. What would Billy Bob's insurer pay for this claim? August, 2007: A customer buys a take-home pizza with anchovies; his entire (5 people) family gets sick and racks up medical bills totaling $10,000. The both spouses acquire a combined total wage loss of $10,000. due to this alleged food poisoning. The entire family had a lot of pain and humiliation according to Edgar Snyder. What would Billy Bob's irate insurer probably pay this time? December 2007: Due to a fire code violation, Billy Bob's bar fills with smoke when the furnace overheats on a cold, blustery night. One person dies from smoke inhalation, and five others are hospitalized. Each hospitalized victim acquires $5,000 in medical bills. What is maximum amount that could be paid for this claim? January 2008: The policy is non-renewed by a notice sent last November. *