yes
Maybe. The individual states enact laws concerning personal injury claims. Some states have "caps" which do not allow a person to sue above the maximum coverage. Which means if the defendent has less than the maximum bodily injury coverage, the insurance company will pay what the policy terms dictate and the insured can be sued for the difference.
No. Liability insurance is, by its nature, third-party insurance. That means that proceeds are paid to the person(s) that are hurt as a result of your negligence. It does, however, indemnify you for your carelessness up to the amount of coverage that you purchased. If sued for the collision by someone claiming bodily injury, the insurer will also provide a defense attorney. Somewhat analogous to bodily injury coverage is uninsured motorist coverage. It is a form of first party coverage, meaning that you buy it for yourself. If you are hurt by the negligence of another driver, and that person does not have bodily injury liability insurance, you may have a claim for damages under your uninsured motorist coverage.
It depends on what you are suing for and in what state. You will need to find out what the tort statute of limitations is for your state for your type of claim (bodily injury or property damage). An additional factor, only used in Bodily Injury cases, is whether the pursuing suing was a minor at the time of the accident and when that person became a legal adult.
Why not? Whoever causes an injury should be sued.
yes
yes.
Homeowners Insurance can not be sued due to a criminal assault.
Yes.
Limited liability insurance covers bodily injury liability like paying for medical expenses or lost wages when an accident occurs or property damage liability which takes care of damages to property and attorney and settlement when one is sued.
Yes. Battery (striking another person) is a tort as well as a crime, and can therefore result in a civil suit in addition to a criminal prosecution.Added: You, yourself, are too young to be sued. The civil suit would have to be brought by the other boy's parents against your parents.
Actually, yes. It is your property and if they get hurt you could get sued... ...That is unless you have a signed liability/injury waiver from their parents.
only if thst kid did it to hurt the the kid but if it was just for fun then no