My backyard is on a hill, and the neighbor’s kids decided to sled all the way down it, slam into the top of my retaining wall, knock a bunch of shit off (breaking two big terra-cotta planters in the process) all while screeching like banshees. Needless to say, I’m not super happy with them or their parents.
So I hear the commotion, step out the back door, and literally and instinctively yell the thing.
Spring project # 185: Install a fence, possibly electrified and razor-wired.
Nobody ever wants to sue their neighbors. Its an insurance problem.
The kids’ health insurance denies their claims when they find out the injury might be covered by the neighbors homeowners insurance, and their insurance ALSO says go pound sand.
Now you need a court order telling which insurance has to pay.
Like they said, a USA problem.