Originally Posted by
Rick Cantrell
If you did not hire them but you invited them, you (your insurance) pay.
If it was a stranger that knocked on your door asking for directions you (your home owners insurance) would pay.
I had a 5 yr old kid from the neighborhood come and wanted to cut my lawn for 10 bucks to raise money a few years back. The hair on the back of my neck stood up when I saw him pushing his parents lawn mower up my drive way. I told him no thanks as I already had a lawn service. I was going to just give the kid the ten bucks, but then thought he might get the idea to keep coming back.
Anyhow, I could just see the liability there when the kid cut his foot off on my property. No thanks. I also felt like asking where he lived so I could talk to his parents about it. Don't know if they knew he was doing that or not. Decided not to get involved. In today's screwy world some parents would have told you to mind your f*****g business.
I asked my attorney who was handling my mother's estate about that one day while I was in his office. He said that the big difference is if the kid was "invited" or not. He didn't elaborate further and at what he was charging me an hour for the probate stuff I wasn't wanting him to give me a long winded explanation either.
