Originally Posted by grandyoso
Most likely they would go after the one with the most money, insurance companies. They would be in for a the long haul trying to garnish the guides wages..
They will sue everyone involved. It's called deep pocket doctrine; sue everyone and find out who can afford to pay during the process. A 20 year old college kid guiding in the summer is a prime target because Mom and Dad back in Iowa have home owners insurance. Their dependant college student is good for about a million bucks because most home owner's policies include personal liability coverage.
I was covered in this way when I was in school and my dog killed an alpaca. I got sued for $7,000! That's a fancy llama....
If you're not a dependant, get property insurance. It might make you a liability target, but it does protect you, and you can bet they'll settle for your maximum coverage so you can save that wage garnishment for your baby mama. My renter's insurance provider gladly bumped my personal liability coverage up to a mil without even asking what I do for a living. I pay $150 a year for that plus coverage of my property, which basically equals a raft and a guitar....