Certainly talk to a lawyer in your area, but I agree with the advice you have been given. This response is for web page purposes only.You should not consider it Legal advice unless it agrees with a Lawyer‘s advice in your state. Laws vary widely from state to state. It would be best to rely only on the advice given to you during a personal consultation by a local attorney.
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15 years is a long time. Most states have a statute of limitations on claims such as this. When did you first notice the Chimney was not constructed properly? You should check with proper authorities to determine if the mold is such that it could cause serious problems. I think you will have a hard time finding a lawyer that will take this case, but you shouldn’t delay checking with one. Please don’t take this as legal advice, but merely trying to help you find a direction and where to check...
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The law may be different in different states. In many states, if the driver was not furthering your business, i.e. no benefit to you for the trip, then you would probably be able to escape liability. May states presume that the owner is responsible for someone driving with his/her permission, but that presumption can be rebutted. In any event, your insurance would normally cover the loss up to the limits if the car was being driven with your permission. Definitely contact a lawyer familiar...
Was an accident or wreck report prepared? Unusual that a credit collection would be involved at this point unless there was a suit and judgement. If they keep bothering you, you should consult with a lawyer or at least write them a letter (certified) that if they don’t quit harassing you -- a lawyer will be consulted.
Congratulations on not hitting the car in front of you. Why did the person in front of you slam on their brakes? Did you swerve into the left lane in order to keep from hitting the person in front of you? You should at least consult with a lawyer to determine if you have a valid claim.