Question: This coming summer you hire a painter to paint your house - something you have needed to do for a few years. He emails you a quote and the work is scheduled to begin in June. The owner of the painting company informs you verbally that he is fully insured and he and his fellow painters begin the paint work on June 2nd. Everything is going as planned until on June 3rd one of the painters working on an upstairs dormer window falls off of his ladder onto your lawn and breaks his left arm while also injuring his left side. You hear him moaning and look out the front door to witness him on the ground in pain. You quickly call an ambulance which arrives in minutes to transport the worker to the hospital. About 45 minutes later, the owner of the painting company calls you from the hospital to let you know the injured worker will be ok. He also informs you that, due to an oversight on his part, his insurance coverage had lapsed 3 months ago meaning that his crew was working on your house with no insurance.
Explain what your situation entails for you in terms of any liability and also with respect to any recourse you may have in dealing with the painting company owner in the U.S?
-The weather in Massachusetts is finally turning warmer. You decide to take your labrador retreiver for a walk down the street. After about 15 minutes, you stumble and fall after stepping into a small pothole and lose grip on your dog's leash. The dog runs away and starts chasing a female jogger down the street, who tries to run away from the dog while screaming. After a few seconds, the dog jumps on the jogger, knocks her to the ground and then turns tale running toward you with a big piece of the jogger's ear in his mouth.
Describe the nature, type and issues involved of/in this event, including any legal, liability or insurance issues from both your perspective and that of the jogger?