If someone knowingly, intentionally, and purposely harms you or your property they have committed an intentional act, which is can be compensated through civil law.  The issue with intentional tort injuries is simply: who will actually pay for your damages? 

Most Insurance policies EXCLUDE any intentional acts by their insured.  However,  you still have a case against the PERSON who committed the act, but the reality is that most people who act in such a way don’t have too many assets to chase.

Herein lies the rub: You may have a case but the real question is does the at fault person have the money to pay you for your damages?



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