Haven’t we all said something in our lives that we wish we could take back? Especially in a teen’s life, this is a rather common occurrence. But an offensive comment that was – only a decade ago – a bad choice that could be redeemed with an apology and time, is now likely to be broadcast on the Internet where it not only reaches an unknown audience, but may also stick around for years to come.
Social Media sites like Facebook and Twitter can unfortunately become another platform for teens to share their (sometimes less-than-flattering) opinions about their peers.
But did you know that if your teen expresses his or her opinion a little too freely in a public forum, publishes bullying or teasing posts, or even reveals private confidential information about a peer on the Internet, you (as the parent) may be exposed to a liability insurance claim?
Generally, if your child causes property damage or bodily injury to another person — say, by bumping into a team mate during a basketball game and causing an awkward accident, or breaking an antique vase at a friend’s house — your standard homeowner’s or renter’s policy would extend to cover the liability on your child’s behalf.
However, the spreading of rumors or revealing information about another that could damage a person’s reputation and cause long-term consequences is a different story. With Social Media being used more frequently as part of a job or college applicant’s background check, such behavior could cause severe longterm cosnequences for the victim.
Depending on the offense, a victim could pursue legal action under a type of defamation known as publication of private facts. A standard homeowner’s policy will not cover these liabilities.
The solution: A Personal Injury Endorsement.
This endorsement will extend coverage to include liabilities resulting if you or a member of your household verbally offend another party. It pays to defend you and (up to policy limits) pays to settle a case when legal action is brought against you or your children for defamation.
Talk with your independent insurance agents at McClain Insurance about adding this affordable coverage to your protection plan.
Keep in mind, though, that adapting your insurance plan is not enough. Most importantly, whether you choose to actively monitor your teen’s Social Media accounts, or opt to invest in one of many available software programs, be sure to talk with your teen about proper behavior on Social Media sites, and the consequences of publishing offending or emotionally charged remarks.
Questions? We’d love to hear from you! Call us at 425-379-9200.