Salvage: “Boat Sank at the Dock: The Cost of Raising/Refloating (Wreck Removal).”
I arrived at the marina to find my 30-foot center console underwater—only the T-top was visible. A seacock had failed. […]
Hurricane Haul-out: “Named Storm Approaching: Who Pays the $1,000 Haul-Out Fee?”
Hurricane Delta (Category 3) was tracking straight for my marina in Florida. The Dockmaster sent an urgent email: “Mandatory Evacuation.
Peer-to-Peer: “I Rented My Boat on Boatsetter and They Wrecked the Prop: Geico Cancelled Me.”
I thought I was being smart by listing my 24-foot Sea Ray on Boatsetter to offset the dock fees. The
Cleanup: “Biohazard Cleanup in Home After a Defensive Shooting.”
The intruder died in my hallway. The police took the body, but they left the blood, tissue, and biological fluids
Exclusion Zones: “Carrying in National Parks: Federal Law vs. State Insurance.”
I was hiking in Yellowstone (legal to carry). I went into the Visitor Center to use the restroom. I didn’t
Expert Witnesses: “Cost of Hiring a Ballistics Expert for Defense.”
My lawyer said, “We need a ballistics expert to prove the bullet ricocheted and didn’t hit him directly. And a
Per Diem: “Loss of Wages While in Court for Self-Defense.”
I was in trial for 3 weeks. I couldn’t work. My employer fired me for “absenteeism.” I was acquitted, but
Appeal Costs: “Convicted of Manslaughter: Does Insurance Pay for Appeal?”
The jury got it wrong. They convicted me of Manslaughter. I was sentenced to 10 years. I need to appeal.
Ghost Guns: “Insuring 80% Builds: Serial Number Requirements.”
I built a high-end Polymer80 pistol and a custom AR-15 from an 80% lower. Total value: $4,000. My house was
Reloading: “Reloaded Ammo Exploded the Barrel: Product Liability Exclusion.”
I hand-loaded some hot .300 Win Mag rounds. On the third shot, the rifle exploded (kaboom). The receiver sheared, and