<BLOCKQUOTE><font size="1" face="Arial, Helvetica, Verdana">quote:</font><HR>Originally posted by The NFL:
My brother was driving my car and got into a minor traffic accident. It was head on but at under 5 miles an hour. This happened in New York. Now I'm being sued for 10 million. No injuries were reported at the scene. Now I hear the other party recieved carpel tunnel and soft tissue damage to her neck and back, first of all What is soft tissue damage ? Second if I transfer my assets to my Wife would they be protected from a settlement if she won over my policy limits of 50/100? Thanks for any help.Losing sleep in N.Y.<HR></BLOCKQUOTE>
My response:
Soft tissue injuries are those injuries which involve everything other than broken bones; e.g., whiplash (neck muscles), carpel tunnel syndrome, nerve injuries, muscle sprains and strains, cuts, bruises, etc. - anything on the human body that is injured, which is soft and pliable, internally or externally. Insofar as your potential monetary exposure is concerned, it is no where near the extremes of the plaintiff's demand. For example, in California, an owner of a vehicle is, at most, liable for the negligence of a permissive user (your brother) up to a maximum of $15,000.00 per person, up to $30,000.00 for all persons, and $5,000.00 for property damage. That's it. Only if YOU were driving the car would you be in any real trouble with your low limits of liability. Talk to your insurance agent about the law in New York concerning "permissive user / driver" liability - which brings me to this question: If you're being sued, why hasn't your insurance company attorney talked to you about this already?
IAAL
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[This message has been edited by I AM ALWAYS LIABLE (edited April 28, 2000).]
