With the mass majority of us utilizing social media like Facebook, Instagram, Twitter, and various blogging websites the chances of saying something that either offends or defames another person are likely. These types of lawsuits are referred to as libel, meaning defamation created by written word.
There has been a significant amount of lawsuits founded off of Facebook posts that individuals found offensive or degrading to them personally. Perhaps it was purposeful, perhaps not.
We do have freedom of speech in our country, however, defaming individuals and causing personal loss to them due to a statement can be grounds for lawsuits.
Most would have to cover the costs for attorneys out-of-pocket, but Farmers clients have the option of having “Personal Injury” protection endorsed on their homeowners policies. Personal injury covers you during defamation of character, libel and slander claims made against you. This coverage costs on average $3-8/ a YEAR.
Face it, were humans and with being humans we aren’t always perfect. Social media is a two dimensional form of communication and without voice, body language and actual face-to-face contact comments can be misconstrued or misrepresented. Don’t find yourself uninsured, when you found yourself misunderstood.
Call me today and let’s talk about your options, don’t risk thousands if not tens of thousands of costs related to a lawsuit because you didn’t call to discuss coverage.