 Posted: Fri Aug 07, 2009 8:34 pm Post subject: |
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I would have to ask myself, how could I be liable for the actions of others or to things beyond my control. There are bailment laws that imply a certain amount of liability if you agree to store and protect or hold things for people in exchange for chattel (money or payment). But if someone had a speaker installed for your use, I can hardly see any liability on your part if you used reasonable means to protect it (locked your car). Your policy most likely has limits for electronic thefts. If the speaker was bolted with one bolt or screw to secure it to the floor or a brace in the car, then it should be covered. It has to be attached by more than the wires that feed the electronics or it could be considered transportable and not a permanent fixture or assessory. I am not an insurance employee, I own a collision repair business. This information is typical of how these claims are treated in repairs or losses by insurers on vehicles that I may have contracted to repair with the vehicle owner.
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If you can't find the time to do it right, how will you ever find the time to do it over. |
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MikeoftheOzarks
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Joined: 10 Feb 2008
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Location: in the missouri ozarks
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