Surviving a Tornado – How to Navigate Insurance Claims in the Wake of the Recent Connecticut Storm

Published on sdvlaw.com

Five minutes after I parked my car, a Tree fell on it.

On Tuesday, May 15^th I pulled into my driveway, in my small Connecticut neighborhood, under a grey sky. As soon as I walked in the house, the lights flickered. And then suddenly there was a loud “Crack!” and “Crash!” and the sound of breaking glass. I looked out the window and trees were bent 90 degrees, then snapping, and then flying up instead of falling down. And as quickly as it came, it passed.

When I stepped outside, my first thought was that my car has seen better days. My second thought was that my whole neighborhood had seen better days.

Do you think the TV still works?

As I walked down the street surveying the damage, my neighbors started emerging from their homes like survivors in a post-apocalyptic movie. We speculated that it might have been a Tornado and that later proved to be true.

If I'm reading this correctly, it's bad to be in the "red" area.

Read the full article and including insurance tips on sdvlaw.com

Obstacle Course Race Company Needed an Insurance Lawyer

This case is a cautionary tale about what happens when a race director doesn't have an insurance and contract lawyer look over their documents. Since this is a case about Obstacle Course Racing and Insurance law, it pretty much has my name written all over it. So that's why I offered to write this article, which was first published at SDV Law. This version has been updated a little because my readers here generally know a little bit more about OCR and there's no one here to edit out my bad jokes.

Me - running an obstacle course race in the rain
and wondering how anyone could ever get hurt
doing this.

With the rise in popularity of obstacle course racing, millions have participated in races like Spartan Race, Rugged Maniac, Tough Mudder, and Warrior Dash in the last ten years. Although serious injuries are rare relative to the number of participants, several notable incidents, including the collapse of the Warrior Dash obstacle “Diesel Dome” in October 2016 which resultedin the indictment of five individuals, have caused race companies and participants to question whether their insurance will cover injuries sustained during one of these extreme competitions. Insurance issues have become even more prevalent as smaller race brands and even local farms have started getting into the obstacle course racing business.

Such was the case in Maxum Indemnity Co. v. Dirty Foot Mud Ranch, LLC. In Dirty Foot, a small race company sought defense and indemnity from its general liability insurer after a race participant sued for an injury sustained during one of its events. 

Help! I Have My First Case and I Don't Know What to Do!

It can be a bit jarring when a legal intern or new lawyer gets his or her first assignment.  You have a lot of law in your head, but what do you do with it?  You could be first in your class, but you won't have a clue where to file a motion.  If you've studied the Federal Rules of Civil Procedure, you may be saddened to learn that your state's rules more resemble the Lord of the Flies than a well ordered system.

Despite all the uproar about law school not being practical, it does not take a law student very long to get her bearings and begin to function in the real world. Provided that you have a functioning brain, you will be fine with a little guidance. The following is a quick list of tools you need to practice law in Connecticut, but the principles apply just about everywhere:

 1. A Phone

No one knows everything. The best way to find something out is usually to ask a human being who does.  Your trial advocacy or moor court professor are good places to start if you do not know any other practitioners.  My first case ever was an appeal and the first thing I did was grab my phone and email my moot court adjunct professor.  That probably saved me a few days of fumbling around. People like to help if they can do it quickly and it feels good to be tapped as an expert - so ask someone in the know.