stickboy1375 said:
I see your point, like Dennis said, up to the lawyers at that point...
Which is a very good reason to check your insurance if you are an EC. Seems for years I carried liability insurance, but I did not learn the extent of my insurance ignorance until I switched carriers.
I did not have any protection for attorney fees to represent me in case I had a serious case which could have went to court. I had coverage in case I lost, but I had no coverage for my legal fees, win or lose.
If I ever had a serious situation (which is the reason I had insurance in the first place) that would have dragged through court for months or years, even if I won, the attorney fees - easily in the hundreds of thousands of dollars for a death or equally serious case - would have bankrupted me.
What are the chances of that happening? Remote. But it only added $97 a year to my premium ($3,000 attorney deductible), and it bought me peace of mind.
Which is all insurance does anyway.