Henry D Young Inc Insurance Agency Blog

You may be sued at any time. Do you need an umbrella policy?

Posted by Carol Reese on Fri, May 11, 2012 @ 08:05 AM

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Topics: trusted choice insurance agent, homeowners insurance, personal injury insurance, automobile insurance, personal umbrella insurance

Personal Injury? Teens, Social Media and a Parent’s Liability

Posted by Carol Reese on Fri, Mar 30, 2012 @ 14:03 PM

She Posted What!? OMG, my life is ruined!!

Jealousy. Passion. Betrayal. No, not the latest television drama, but high school. For many the high school experience comes with social pressures and obligations to fit in and belong, and sadly this can lead to exclusion and isolation of some students. At some point we all probably said something in our teen years in the heat of the moment that we wish we could take back, but today’s teens face the added burden that if they convey those statements on social media sites like Facebook and Twitter, their words could be around for a lot longer than just the heat of the moment. 

It doesn’t take much searching of the news to see stories of teens using social media sites like Facebook to transfer the cruelty of high school hallways into the online world. Teens that make fun of a student or tease them may not just be responsible for hurt feelings, but if they’re publishing bullying or teasing posts online or revealing private information about another teen in a public forum, whether a blog, to their Facebook profile or other social space, they may be exposing you and your insurance policy to a claim.

Are my kids covered under my insurance?

Generally speaking, any coverage you have through your homeowners or renters insurance policy also provides coverage to other residents of the household, including your teenage children. Standard homeowners and renters policies include liability protection for bodily injury or property damage, which would pay for the costs to cover medical bills or repair/replacement costs if your child injured a friend in a pick-up basketball game or if they were at a friend’s house and accidentally spilled soda on a $13,000 oriental rug, subject you your policy’s deductible.

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Topics: trusted choice insurance agent, homeowners insurance, personal injury insurance

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