Am I responsible for accidental damage done by an electrician? If I hire an electrician to do some job, and he caused a fire at the house. Am I also somehow legally responsible for the accident because I hired him and not another electrician, who might have been more competent and avoided the accident? Or I am not responsible at all?
There are various ways in which you could be &quot;responsible&quot;. For example, if you own the house, have no insurance, the house burns to the ground and the electrician has no resources that you can seize, then you will have to suffer the consequence of having no home. If a guest is harmed in the fire, you might be found liable because of your negligence (plaintiff's lawyer has to put convincing spin on your actions in showing that you neglected your duty of care). Since you are hiring the electrician, under the doctrine respondeat superior you can become liable for the worker's acts carried out on the job. What matters in that case is how the act came to be, for example did it happen as a result of bad wiring that he was hired to do, or was he a crazy arsonist who look advantage of an opportunity to torch your house (you are not liable, torching the house is not an act reasonably related to what you hired him for). You could end up responsible for the loss if you are insured, the &quot;electrician&quot; was uninsured (and other kinds of &quot;un&quot; like &quot;unlicensed&quot;), and the insurance contract allows the claim to be denied because you wrongly hired an unqualified, unlicensed guy off the street who did not secure the required permits. That doesn't mean that you can't sue him, but if you cannot collect on the judgment, then you end up having to take responsibility for your action. &quot;Responsibility&quot; is a legally vague concept, instead I assume you are interested in whether the courts might force you to pay for the damage done to someone, or even might punish you for a criminal act. In the former case, the relevant legal concept is &quot;liability&quot;, meaning that you can be required to compensate another for the damage that you caused. In the latter case, the criteria are much stricter, that you have to deliberately do a thing that was explicitly forbidden.
In Illinois: The General Assembly has established numerous protections for the generous and compassionate acts of its citizens who volunteer their time and talents to help others. Basically, if you are a licensed medical profession, or have had successful training in CPR provided by the the American Red Cross or the American Heart Association, and you try in good faith to save somebody's life and fail, you are not liable for their death, under the assumption you did not cause harm in the first place (i.e. you can not stab someone in the chest, attempt CPR, and be exempt from lawsuit(s)). Note that this doesn't apply to just CPR or physicians. This also covers dentists, Pharmacists, Optometrists, Physical Therapist, etc.
With the additional information in the comment, the approach most likely to give you a good outcome would be to present this as a dispute between the retailler and the manufacturer. Make a note of who said what and when, and try to obtain written confirmation from the retailler. It sounds like the retailler is currently on your side, which makes your position stronger as your legal contract is with them and they will have obligations under the Consumer Rights Act 2015 (I'm assuming you bought the item as a private individual and not as a business). Note that you may not have a right to replacement. Consumer protection legislation and warranty terms include several ways the supplier can provide redress (usually repair / refund / replace). Since the preference is replacement, you will not be able to argue an inherent design fault with the product. This may give the manufacturer the opportunity to assert that the retailler, or you, specified an incorrect fitting kit - or that it was incorrectly installed. If the fittings were supplied with the foil, you could argue that it was an issue with these that led to total loss of the rest of the foil. It looks like you currently have grounds to claim this against the retailler. If there's no satisfactory resolution, consulting the Citizens Advice bureau would be a good place to start.
You would almost certainly be criminally liable if a fire were to occur and your insulation did not meet the Fire Safety Building Regulations, especially as you deliberately used a non-conforming material. Cotton towels are not one of the materials that have met or exceeded the EU and UK regulations. Edit to add - as an aside, should you suffer a fire for whatever reason, any landlord, housing or home insurance you have have will almost certainly become void should the insurance company discover your use of cotton towels as insulation.
Legal action might be taken by the garage, because you had a contract to repair the gearbox which you cancelled (causing them some damages in time spent). You could hope that the store-owner will pay the invoice that you sent, but that seems to not be likely. The store owner can't sue you for sending him the invoice: the mechanic can sue you for not paying what the work billed for. But you do have a recourse, which is that you were acting on behalf of the store owner. I assume that you were in possession of the old gearbox, so it simplified matters if you took transported it to the mechanic, since the store owner was going to pay. In other words, you were acting as the store owner's agent: you were authorized to create a contractual arrangement between the garage and the owner. The one problem is that apparently the garage thought they were doing the work for you, and not for the owner. So they may sue you, and you may sue the owner. And suing anybody costs money. The owner is, perhaps, trying a strategy of not paying what he does actually owe, in the theory that the alternative of suing is too much time and bother (besides, it's the garage owner who would have to get the ball rolling – unless the shop owner first wants to sue to recover the gearbox). Given the information you have provided, I don't see a basis for the shop owner suing you. In order to sue someone, that person has to have caused you some damage. He could claim that he didn't authorize you to take the gearbox to the garage, or that you were negligent in making the arrangements with the shop (for instance if he said &quot;but only if they will do the diagnosis for free&quot;), in which case the court will have to decide whose story is more believable.
Read your policy Insurance contracts spell out in excruciating detail in which circumstances they are on risk and which they aren’t. For example. In that policy, page 39 excludes &quot;Loss or damage caused by lopping or felling of trees when this is performed or authorised by you, your family, or a household member&quot;. So DIY tree felling is at your risk. So is authorising a contractor to fell a tree (although you would presumably look to the contractor's insurer for restitution) You would be covered if a neighbour (or their contractor) dropped a tree onto your house or if a utility company did so. They didn't need or get your authorisation so the exclusion does not apply.
Following the guidance of the police In summary: If the item is hazardous or dangerous you should report it to the police using the emergency number. If the item is non-hazardous and found in a private place, hand it to the owner of the premises - it's their responsibility to attempt to find the owner and the property becomes theirs if they can't. If the item is non-hazardous and found on public transport, hand it to the operator - they have their own by-laws about lost property. If the item is non-hazardous and found in a public place, if it has a serial number, hand it to the police - they may be able to trace the owner if it is a government document, hand it to the issuer if it is of low value, make reasonable efforts to find the owner &quot;these could include asking people nearby or in offices or shops. You could also consider leaving a note with your details. If you can't find the owner there's nothing more we can do and you should dispose of the item.&quot; if it is of high value, make reasonable efforts to find the owner and if you can't hand it to the police.
This is an excellent explanation. All Australian jurisdictions have (in general) common road rules. In NSW these are enacted by Road Rules 2014 regulation under the Road Transport Act 2013. The relevant provision is Clause 306: 306 Exemption for drivers of emergency vehicles A provision of these Rules does not apply to the driver of an emergency vehicle if: (a) in the circumstances: (i) the driver is taking reasonable care, and (ii) it is reasonable that the rule should not apply, and (b) if the vehicle is a motor vehicle that is moving-the vehicle is displaying a blue or red flashing light or sounding an alarm. From your statement (a)(i) and (b) would seem to apply so it becomes a question if (a)(ii) does. Well, you don't know the circumstances so you can't judge if it is reasonable that the rule not apply: if the police car were involved in a collision, caught on a red light camera or booked then the driver would have to show that it was. It is worth noting that some road offences like drink or dangerous driving are not in the Road Rules, they are in the Crimes Act and so the exemption doesn't apply to them. It is also not a shield from civil liability although the difficulty of proving negligence goes up because disobeying the road rules is no longer enough.