Super Hero 101
Metahumans and the Law
Great power carries with it the potential for great good, but also for great evil. In the face of increasing numbers of super powered beings in the 1950s many began to express concern, others outright fear. These fears were stoked by news of Metahumans being used by the Soviet Union. In response, J. Edgar Hoover created a special branch within the FBI to handle matters concerning meta and parahumans. He called it the Metahuman Investigation Division. The MID, as it came to be know, was responsible for investigating metahuman and parahuman related crimes, as well as keeping tabs on those meta and parahumans who posed a particular threat to society.
While meta and parahumans to not come under as much scrutiny today, there is a recognition of the destructive power of many of their powers. Using many of these powers have the potential to become deadly weapons, and using them, particularly against those without powers, can, in certain situations constitute a crime. For this reason, most metahumans practice caution when using their super human abilities.
In addition to the risk of injury and possible death, many powers can cause substantial property damage. Many metahumans have found themselves on the receiving end of hefty law suits. In response, many metahumans have begun carrying liability insurance. There has recently been a move in some states to make this type of insurance mandatory, but currently, none have passed laws to that effect.