I know that one of the hot topics in this forum is the need for insurance, tight contracts, etc to mitigate your own personal damages in the event that you are sued. I can also imagine cases in which one may be sued, primarily for failure to deliver agreed upon services or images. For instance the photog who didn't make a contingency plan, has a wedding scheduled and the day of the event learns that his mother died earlier in the day and doesn't make the wedding, or the deadbeat photog who takes the images and clients money and leaves town and never delivers the prints. My question is how many of you have been sued due to poor quality? Who won the case? While we're on the subject how many of you have been sued for anything photography business related even similar to the scenarios mentioned above? I know that everyone needs insurance b/c we do live in a very litigious society, but I can't imagine it happens that often. Of course, I don't do this for a living, so maybe it happens with greater frequency than I imagine. Thus, the reason for my post. Everyone talks about the need and the threat, let's hear your real life stories of being sued, what happened and who won the case.