Back in 1978, right after I got married, my wife was proceeding through an intersection in our car--no stop signs facing her. A kid on a bicycle came flying down the sidewalk on the intersecting street, and without stopping, stammed into the side of the front fender of our car. Thankfully, the kid wasn't injured, but even though I had collision AND uninsured motorist coverabe on my policy, my insurance company [State Farm, in case you're interested] told me I needed to fix the car out of my own pocket.
Since my car was hit by a BICYCLE, the uninsured MOTORIST coverage didn't apply...nor did my comprehensive, or any other coverage I had. And as to trying to make the PARENTS pay, the insurance company said that since the PARENTS weren't riding the bike, they weren't legally liable...and since the bike rider was 14 years old, there was a 'doctrine of diminished responsibility' that meant even if I sued, I'd never collect a dime.
In fact, the insurance adjuster told me that I was DARNED LUCKY that the bicyclist hit the SIDE of my car, instead of the front..or MY WIFE might have been declared liable for damages to the bike!
So it's not THAT recently that we haven't been holding kids liable for the damages they cause; this was 32 years ago, and the then-14YO cyclist would now be near 50, assuming they're still alive.
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Today's Featured Article - Grain Threshing in the Early 40's - by Jerry D. Coleman. How many of you can sit there and say that you have plowed with a mule? Well I would say not many, but maybe a few. This story is about the day my Grandfather Brown (true name) decided along with my parents to purchase a new Ford tractor. It wasn't really new except to us. The year was about 1967 and my father found a good used Ford 601 tractor to use on the farm instead of "Bob", our old mule. Now my grandfather had had this mule since the mid 40's and he was getting some age on him. S
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