Claim Scenario
Accidents happen all the time. And it only takes one to put your personal wealth at risk. Consider these real life examples…
Auto Liability
- A teenage driver traveling in excess of 100 mph was in an auto accident. A teenage passenger in the vehicle suffered extensive injuries that left them a quadriplegic. The case was tried with a jury verdict of $21 million.
- A driver fell asleep at the wheel. When the car rolled over, the passenger inside was left a paraplegic. A jury awarded the passenger $22 million.
- A woman struck by a car while crossing an intersection was awarded $29.5 million.
Premises Liability
- A dog escaped from a locked room at a party. During the excitement, the dog bit a guest who required medical attention and was left with a permanent scar. The guest sued the insured, alleging physical injuries and emotional distress.
- A houseguest dove into a pool, sustained injuries and became paralyzed from the waist down. The guest claimed that the pool area was not properly lit and sued for $30 million.
Domestic Staff
- After terminating a housekeeper, an insured hired a highly qualified — though younger — replacement. The insured was sued by the former housekeeper for alleged age discrimination.
- An individual terminated his gardener due to habitual tardiness. The gardener filed a wrongful termination lawsuit stating he was never advised of specific work hours.
Wrongful Eviction
- An insured ended a relationship with a domestic partner and asked the partner to move out of the home. The partner sued with an allegation of wrongful eviction.
This material offers a description of coverages and is provided by The Hanover for informational purposes only. Policies are underwritten by The Chubb Insurance Company, its affiliates or subsidiaries, which are not members of The Hanover Insurance Group. The Hanover makes no representation regarding the accuracy of the contents of this material. For coverage terms, conditions, exclusions and limitations, please refer to the policy.