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A properly constituted agreement not to sue is called a 'quitclaim' and is perfectly legal. This assumes you bothered to get it written down and signed. If someone just said "I promise not to sue you", then the burden of proof is likely going to fall on you.
NO.
You can sue anybody you want. Even the President. But in this case, the insurance company did not cause your sons death. You will need to sue the neighbor directly and if he has liability coverage then his insurance company might defend him in the suit.
Yes.
yes
Only if it was due to their negligence. If it can be proven that they were looking after his best interests (i.e. no negligence was involved), then no. And it would probably have to be a specific doctor that you sue, not the hospital.
It is impossible to sue a lender if they do not verify income you co-sign for. It is the responsibility of each person to report accurate and truthful income information for all loans.
It is not whether the injuries are major that determines whether or not you can sue. You can sue only if the injuries were caused by the negligence of another person. If negligence occurred , you can sue even if the injuries were minor, although your recovery in damages would be as minor as your injuries. If this is an auto accident matter, some states have laws that state that you cannot sue unless you do have major injuries even if there were no negligence. Check the laws of the state the accident occurred in to get proper information.
Unless you sue in a contributory negligence state (meaning if the plaintiff was in any way at fault they are not entitled to relief), an unlicensed driver may sue the other party for negligence. Depending again on the state you are suing in and if they are a pure comparative negligence (ny) or modified comparative negligence (nj) your relief will possibly be reduced by your amount of fault. If in a modified comparative negligence state, if you are more than 50% at fault you are barred from recovery.
You should consult with an attorney in your area. An attorney could draft a waiver but be advised that laws regarding waivers vary from state to state. Some states allow participants to sue despite having signed a waiver.
negligence
Yes - In most states the law recognizes that riding horses is inherently dangerous. Therefore the waiver you sign indicates that you know the dangers of riding and assume the risks yourself. Of course if there is negligence on the part of the stable you can sue them for that negligence. But if you are hurt in the normal practice of riding - horse trips, spooks, rears or you just fall off - you cannot blame the stable. If the equipment given to you to use by the stable, such as the stirrup breaks, or they give you a horse they know to be sick, or likely to throw you then you could blame them.