Parents Liable for Halloween Prank

Zack found leftover Fourth of July fireworks in the garage just in time for Halloween. He couldn't wait to tell his friend, Fletcher. While their parents were soundly asleep, the pair snuck out to give them a try. A bottle rocket zoomed off-course and landed underneath their neighbor's car, catching it-and their neighbor's home-on fire. Because of "vicarious parental liability," Zack's parents were on the hook for his actions, even though th...ey weren't present and didn't know what he was up to.

CLAIM: $620,000

True Story. Good reason to consider a personal umbrella policy.

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