Are you a tired old granny who only uses the computer your daughter bought you once a week to buy groceries over Amazon and prowl around for action in #hotteengirls? A 14 year old who only uses it to get Wikipedia to write the occasional book report for you and find gullible men on MySpace to rob?

If so, as you know, the RIAA is looking to sue you. However, we saw over at Boing Boing this handy service being offered by a Swedish company willing to insure anyone against RIAA lawsuits for a low, low $19 a year.

As Cory Doctorow points out, this just might be legit: despite the best efforts of their crackerjack legal team, the RIAA is only managing to sue a mere thimbleful of the rolling ocean of innocent Internet users out there. Playing the odds, this is a possibly successful insurance model. Will a similar scheme be offered by American insurance agents soon?

P2P insurer will pay your fines if RIAA sues: $19/year! [Boing Boing]

Want more consumer news? Visit our parent organization, Consumer Reports, for the latest on scams, recalls, and other consumer issues.