Quote:
Originally Posted by BWillie
The suit wouldn't be successful unless the homeowner or business owner was liable. I'm not sure what you are trying to say. Most homeowners policies that have medical payments for others are capped at a very low amount (ie $1000), and is just there for small accidental incidents and to be used more or less as a goodwill measure. I believe in some instances/areas, people can opt completely out of that type of coverage for a lower premium. But surely your liability and homeowner's coverage is not paying for significant injuries to any visitor or friend at your home, unless you are literally at fault.
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1) the Royals employee was clearly at fault. If not for the Royal employee, the fan would have never been hurt. There's that standard. So it's not the same as your example where it's just a casual slip and fall. In this case, the injury happened because somebody else contributed to it
2) the accident could have been avoided. The Royals could have bubble wrapped the hot dogs and the mascot could and shouldn't have been throwing no-look, behind-the back tosses especially to people who weren't looking at him
3) homeowner's coverage is different from commercial property coverage. As a businessowner, you are liable for the safety of customers you invite into your place of business and you are held to a much higher standard. it's why all businesses have general liability insurance
If not for the mascot throwing the shit behind his back, I'd agree with you. For that matter, nobody probably gets hurt if the mascot throws the hot dog out there like a normal person. If anything, chances of accident are significantly reduced.