During a wild party on the Fourth of July, Harry Hammer went outside and fired his 9 mm pistol several times into the dark Los Angeles sky. Unfortunately, unlike the fabled arrow shot into the sky, Hammer's bullet descended, hitting and penetrating Penelope Marsh's head and causing her modest but permanent injuries. Following the incident, Marsh lacked enthusiasm, complained of headaches, and was easily frightened by loud noises. Hammer had homeowner's liability insurance that would cover his negligent acts and a good, permanent job paying him $8,000 a month. Would Hammer's insurance policy pay for Marsh's injuries? Could Marsh obtain punitive damages from Hammer?