Re: [DML] Rob Grady's Personal Lower Suspension

["content22207" <brobertson@xxxxxxxxxxxx>]

DMCH markets itself as the closest thing to Dunmurry -- hardly "backyard." Ed Uding's brackets are made by one DMC franchise, and sold stateside by another DMC franchise, so I assume they have Houston's blessing.

Bill Robertson
#5939

--- In dmcnews@xxxxxxxxxxxxxxx, "K.L. (KAYO) Ong" <klo@...> wrote:
>
> Mike:
> 
> Thank you for your reply.  I had expected an answer of such.
> 
> It is great for everyone to talk about the enhanced performance and  
> the achievements to produce the components, but no one is addressing  
> the liability area when the modified component fails.... Especially  
> the front end components of this subject.
> 
> When one thinks about modifying their cars and they should check with  
> their insurance provider to see if they will cover the  
> modifications.  Without informing the insurance company to the  
> installed modifications, most likely the insurance companies will  
> quickly look at it as a loophole and to avoid offering any legal  
> support and payment when the disaster occurs.  Although to get  
> coverage is not impossible, I was told that some insurance companies  
> would cover ANYTHING if the "premiums" were in THEIR favor, so one  
> will pay a pricey premium for the coverage.
> 
> The differences with components from established companies and home  
> brew parts are the companies who are advertising and selling their  
> modify components should have some type of insurance?  For if they  
> are operating as a company, they should have product liability  
> insurance as to cover their products?   So, the purchaser who have  
> these components correctly installed can hold the company responsible  
> for law suit resulting from failures that can incur?
> 
> The independent person as a "back yard mechanic" or "shade tree  
> mechanic" operating on their own with their "home brewed parts,"  
> usually has no product liability or a business insurance coverage and  
> that can be a legal liability problem for the owner of the vehicle  
> involved.
> 
> Modifications can be a great thing for the car owner with the  
> installed mod components and it can become costly and life changing  
> when they fail without the insurance coverage.... And the way people  
> are instigated to sue heavily by their lawyer -- They will be suing  
> for everything (for they get at least one third of the awardment).   
> In today's climate with lawsuits, a basic coverage is not enough...  
> If the insurance company don't cover the suit completely, then one  
> can be held responsible for the balance and be in bankruptcy?  Not a  
> good thing....
> 
> Kayo Ong
> #5508
> Lic 9D NY
> 
> 
> 
> On Nov 8, 2011, at 4:19 PM, Michael Griese wrote:
> 
> > Nobody here can answer that question accurately. You would need to  
> > take it up
> > with your insurance company in your state. As an example, whatever  
> > State Farm
> > covers in New York may not be the same as what State Farm covers in  
> > Minnesota or
> > what Geico would cover in New York.
> >
> > --
> > Mike
> >
> > ________________________________
> > From: K.L. (KAYO) Ong <klo@...>
> > To: dmcnews@xxxxxxxxxxxxxxx
> > Sent: Tue, November 8, 2011 2:56:29 PM
> > Subject: Re: [DML] Rob Grady's Personal Lower Suspension
> >
> > I had posted a question a while back on this subject and it was left
> > unanswered. These modifications by everyone are a major structural
> > change for the front end. I believed all these modifications are not
> > the original DMC engineering from decades ago that are on filed as
> > DMC-12. Although the modifications ARE improvements. The
> > questions are: What happens and if there is a failure and and there
> > are "property" and or "bodily harm" caused by failure? Will the
> > insurance company STILL cover the mishap? Or will they wash their
> > hands of the matter? I am curious and not cleared in this area. Law
> > suits can be a financial disaster, if not life changing if there is
> > no coverage for the modifications.
> >
> > Kayo Ong
> > #5508
> > Lic 9D NY
> >
> >
> > 
> 
> 
> 
> [Non-text portions of this message have been removed]
>




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