The internet, cell phones, and social media have collectively created a giant, online data base consisting of written journal entries, picture of social occasions, and even home videos which give details of our daily activities, nights out, trips, vacations, and outings; all this information is neatly organized by date, time, and place. These online journals give details of our work, family, recreation, vacations, daily routines, accomplishments, and emotions. The information is public, and even if its private, a good opposing lawyer can sometimes access it.
Lawyers don’t like to sue individuals. They like to sue insurance companies because an insurance company has something called, “a deep pocket.” After you win a settlement or judgement, the insurance company immediately cuts a check; without insurance, most judgements would be uncollectable because individuals usually can’t pay. There’s a part of homeowner’s insurance called, “the liability provision” that follow owners away from the home. It covers not just the owner, but resident relatives. This opens up claims for accidents away from just streets and sidewalks.