Scenario 3

After successfully passing the Affordable Care Act, which requires individuals to carry health insurance or pay a "tax" for failing to have health insurance, the United States government decided to pursue another program. This legislation, called the "Protecting Future Tort Victims Act," seeks to require every individual over the age of 18 to have general liability insurance that covers any unintentional torts committed by the policy-holder. Surprisingly to political commentators, the law passed and individuals now must carry general liability insurance. Lola owns a farm with many chickens, and often gives their eggs to her friends and neighbors. Earlier this morning, while carrying a bowl with a dozen fresh eggs, she tripped over a chair and dropped the bowl, causing the eggs to splatter all over the kitchen floor. She negligently failed to clean up the mess before Harrison stopped by to pick up eggs. He slipped and injured his back. Lola did not have the requisite general liability insurance and was fined by the government. In addition to the fines, she was required to pay Harrison for the damages resulting from committing a negligent tort.