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Pound the Table | An X-Men Self-Insert

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Yes I can.


Also, like Fernandel not a lawyer, but Dutch law considers this matter fairly simply as far as the consumers care.

1) You are insured. It's illegal to drive a car otherwise.
2) The insurance pay out according to the insurance contract. It does so promptly.
3) The law does not kid about the insurance paying promptly. Right now there are people who are a) probably without a car and more importantly b) possibly in a hospital fighting for their lives.
4) The insurance agencies can figure out later which agency needs to compensate the others.
5) The larger vehicle is presumed to be at fault. This is mostly relevant when pedestrians or cyclists get hit by cars. This is not just for insurance purposes IIRC.
 
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Hazard said:
Yes I can.
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First of all how dare
Hazard said:
Also, like Fernandel not a lawyer, but Dutch law considers this matter fairly simply as far as the consumers care.

1) You are insured. It's illegal to drive a car otherwise.
2) The insurance pay out according to the insurance contract. It does so promptly.
3) The law does not kid about the insurance paying promptly. Right now there are people who are a) probably without a car and more importantly b) possibly in a hospital fighting for their lives.
4) The insurance agencies can figure out later which agency needs to compensate the others.
5) The larger vehicle is presumed to be at fault. This is mostly relevant when pedestrians or cyclists get hit by cars. This is not just for insurance purposes IIRC.
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Second of all if we start talking about the intersections of liability and insurance law we will literally be here all year and we will probably get it horrifically wrong so lolnope

I have now fed myself and will write up the next part of what I intended

Why am I doing this again

Oh yeah I was overconfident and got called on my BS

Fantastic it's like Admin Law all over again
 
Wait a minute, I think I figured out how Noa could get involved in the Legacy virus legal battle while still being on the side of angels. If Professor Xavier is championing a class action suit against Mr. Sinister for unleashing the virus, wouldn't the "logical" course of action for Mr. Sinister be to file a counterclaim against Scott Summers (and possibly others) for being one (or more) of the ancestors of the time traveler that brought the virus from the future?
 
Ganurath said:
Wait a minute, I think I figured out how Noa could get involved in the Legacy virus legal battle while still being on the side of angels. If Professor Xavier is championing a class action suit against Mr. Sinister for unleashing the virus, wouldn't the "logical" course of action for Mr. Sinister be to file a counterclaim against Scott Summers (and possibly others) for being one (or more) of the ancestors of the time traveler that brought the virus from the future?
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No. Scott Summers isn't liable for the actions of his children, both current and yet-unborn, and he also cannot be held liable for something that hasn't happened.

EDIT — don't crawl down my throat about the instances where a parent is liable for the actions of their children, this isn't one of those!
 
They say the best way to learn something is to explain it, which makes me wonder if this whole thread is just a convoluted method of studying for the bar.
 
Ganurath said:
Wait a minute, I think I figured out how Noa could get involved in the Legacy virus legal battle while still being on the side of angels. If Professor Xavier is championing a class action suit against Mr. Sinister for unleashing the virus, wouldn't the "logical" course of action for Mr. Sinister be to file a counterclaim against Scott Summers (and possibly others) for being one (or more) of the ancestors of the time traveler that brought the virus from the future?
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As a point of order Sinister isn't actually responsible for the Legacy virus. He neither created it, nor deliberately or knowingly released it.

He was given a container that allegedly contained information, except when opened it was seemingly empty, and he then just shrugged, went 'guess I got scammed' and moved on.

It was our favourite absurdly spiky armour wearer Stryfe that arranged the release of the virus!
 
PKRudeboy said:
I'm pretty certain that Ward Circle in DC is what happens when a city planner actively tries to commit murder.
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The roundabout around the Arc de Triomphe in Paris. I've always heard this second-hand (and close to a decade ago), but my understanding is the insurance companies don't even try to figure out who was more at fault if there's a crash there, they just split it 50/50.
 
how come our heroine is struggling for money? isnt she a shareholder in stark and so on? or is the price of starting a law firm an amount that doesnt add up with her savings and investments? (as i guess there can be a universe of difference between a low level investor and a controlling share, likewise between midlevel lawyer at a posh firm and a partner)
 
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prof_Chemical said:
how come our heroine is strugglying for money? isnt she a shareholder in stark and so on? or is the price of starting a law firm an amount that doesnt add up with her savings and investments? (as i guess there can be a universe of difference between a lol level investor and a controlling share, likewise between midlevel layer at a posh firm and a partner)
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New York prices, baybeeeeeee

(I actually don't know but I wouldn't be surprised if that was the reason lmao)
 
prof_Chemical said:
how come our heroine is strugglying for money? isnt she a shareholder in stark and so on? or is the price of starting a law firm an amount that doesnt add up with her savings and investments? (as i guess there can be a universe of difference between a lol level investor and a controlling share, likewise between midlevel layer at a posh firm and a partner)
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Fernandel said:
New York prices, baybeeeeeee
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Blinktwice13 said:
This. I live in a well-enough part of a southern state and my sister lives in the city. Her old apartment her portion of rent was more than what me and my roommate pay total.

New York is expensive.
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Also, having shares in a company doesn't translate into instant money, she might invest well but that doesn't mean she has large amounts of liquid assets.
 
owlmessenger said:
Also, having shares in a company doesn't translate into instant money, she might invest well but that doesn't mean she has large amounts of liquid assets.
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Fernandel said:
Or as I like to call it, the "Elon Musk Defense" whenever the SEC comes knocking :V
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This. Noa has a net worth of over six million dollars.

Maybe five to ten percent of that, at most, is ever accessible at one time. For everything else, there's lines of professional credit. Which is what most law firms have for business expenses.

So there's the rent on her office space, the pay for what will be two full-time employees at the start, and her mortgage, all of which need paying promptly.

Now, ongoing financial issues are a pain in the ass to write around, so a relatively long-lasting solution to that is coming in the next arc.

And it will go to show that being willing to accept a client regardless of bad optics from the court of public opinion can be a very good thing!
 
Hazard said:
5) The larger vehicle is presumed to be at fault. This is mostly relevant when pedestrians or cyclists get hit by cars. This is not just for insurance purposes IIRC.
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This could cause problems in the USA, much less Russia and other nations.

We have active organized criminals who will *arrange* for you to hit them, and then try to hit your insurance up for excessive amounts. As a defense, many, many drivers in Russia these days have dash cams, and in the USA high percentages of trucks have them too, so they can show the video in court of the car cutting them off then slamming on their brakes to be rear-ended.

Hospital is easy enough - with universal healthcare, you don't worry about the bill while they're still fighting.
Replacement vehicle - this is where if you're a good person yourself, because you have insurance yourself, your own insurance covers at least the car rental while they figure out whether yours is totaled and to give you adequate time to shop around. The insurance company worries about who ultimately pays at their leisure. But it should probably be your own insurance company that cuts the check.
 
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  • Informational
    • Okay, the New Years has come and gone, we're all unhappily sober again, time to speak.

    First off — to all of you who voted in the User's Choice Awards, thank you so much, oh my goodness. That people thought highly enough of this fic and my writing to nominate it was already a major dopamine kick — but seeing that banner at the top is just… hoo boy.

    It feels REAL good.

    But. Let me just say that for as much as y'all enjoyed reading this fic?

    I'm having way more fun writing it. Mwahahahaha! The best dopamine is for me, and me alone!

    … anyway.

    As a sort of… I guess part-recognition, part-thanks, a small thing. How many of y'all remember that "What If…?" side story I did? Now how many of y'all want more such looks sideways?

    So first of all — the plan is for every arc of Pound the Table to have one "What If…?" episode. And second?

    As a "thank you" to all of y'all, I'm now taking submissions for Arc 2's "What If…?" sidestory.

    If you have a divergence in the story so far or a different starting point entirely that you'd like to have me explore, then send me a PM with "prompt" or "what if" in the subject header.

    In a few days, I will take my FIVE (5) favorite prompts and set up a straw poll to decide what Arc 2's "What If…?" will be.

    Note: continuation of the first "What If…?" is NOT one of the options you can submit.
    Anyway. Happy New Years, everyone!

    Now if you'll excuse me, DC and northern Virginia are due for a snowstorm this week, so I'm off to get groceries.
     
  • Informational
    • Firethorn said:
    This could cause problems in the USA, much less Russia and other nations.

    We have active organized criminals who will *arrange* for you to hit them, and then try to hit your insurance up for excessive amounts. As a defense, many, many drivers in Russia these days have dash cams, and in the USA high percentages of trucks have them too, so they can show the video in court of the car cutting them off then slamming on their brakes to be rear-ended.

    Hospital is easy enough - with universal healthcare, you don't worry about the bill while they're still fighting.
    Replacement vehicle - this is where if you're a good person yourself, because you have insurance yourself, your own insurance covers at least the car rental while they figure out whether yours is totaled and to give you adequate time to shop around. The insurance company worries about who ultimately pays at their leisure. But it should probably be your own insurance company that cuts the check.
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    That doesn't work in the Netherlands because punitive damages and restitution aren't nearly as much of a thing. So sure, they totaled your car. And their car. And they are going to be paid the then current value of that car, and their insurance agency may or may not provide them with a new/rental car, depending on the terms, and the legal system etc. tries to figure out who was actually legally at fault so it can be established which agency ends up paying the other back.

    But nobody is going get half a million dollar (or equivalent) or more just because their car got totaled in an accident. Not unless that's what the car was worth. And you can bet that insurance agencies do not consider this form of insurance fraud lightly.

    Oh, and as for the 'presumed at fault' thing? That's only presumed at fault. Show such a video of getting cut off and then having the car in front of you hit the brakes and it's clearly their own damn fault.
     
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    Hazard said:
    But nobody is going get half a million dollar (or equivalent) or more just because their car got totaled in an accident. Not unless that's what the car was worth. And you can bet that insurance agencies do not consider this form of insurance fraud lightly.
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    Most people aren't going to be facing punitive damages in the USA either; but it's a extensive fraud that I know exists but I don't know all the details of, which can be impossible because each fraud runs at least a little differently. I know medical bills, with cooperative clinics/doctors, features in at least some of them.
     
    I would assume that the fraud also involves making the car lost appear to be worth more than it actually is, so that the restitution is larger. One possibility is that the car was a high-end luxury model that didn't work properly, for example, if the way in which it didn't function would not be easily proved to have existed before the crash. Another is that it's a money-laundering scheme; get a car with dirty money, then get the insurance to pay you the same amount in a way you can pass off as legit.
     
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