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  3. Attn: Shiva

Attn: Shiva

>> >>we have work completed insurance (State Farm) >>that will cover air bag work. >>although we have never had to replace an air-bag. >> > funny point.. I asked the State Farm agent a simple > question.. > now, AGREE the liability part will cover if 'something > breaks in > disassemble/reassembly.. but I asked the agent this > question.. > IF, say a week later, the car was hit, and the airbag > failed to > inflate, and I was sued, cause I was the LAST one to work > on it, > am I covered? and the UNDERWRITER-not the agent, said NO. > now if YOUR underwriters did say yes, I would really like > to go > after MY agent with that information..

Shiva, I contacted State Farm regarding my "Work Completed" insurance about Air-Bag coverage. They told me that in the above scenario, if at a later date something happened and it was "Proved" that it was something I had done to cause the airbag to fail ? I would be covered up to the max of my policy.

Reply to
Key
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INTERESTING.. my agents broker said no way at all.. I think I will go have a chat this week... Thanks.

--Shiva--

Reply to
me

I asked the question just like you did. I take it that if the coverage is needed ? I would have to be proved at fault before State Farm will cover the loss.

My State Farm Ben Tullos

318-688-1522 ask for Pat.
Reply to
Key

But that is the nature of liability insurance of all types.

I really think the liability for work on air bags is way overblown. As a matter of fact I suspect that the likelihood of screwing up a repair on something like a Datsun ignition and causing a failure leading to an accident is more likely to happen than screwing up on an air bag and not knowing that that there was a screw up before the customer had been allowed to drive away.

The reason I suggest this is that in order for this to happen you would have to believe that everything was OK, but it really was not. That would be rare.

Then, your customer would have to have an accident serious enough to both call for an air bag deployment and cause someone to question why the airbags did not deploy. These possibilities are also rare.

All of these things would have to happen within the statute of limitations.

There are other things we could possibly get sued for that while rare, have a far more likely hood of happening buy a thousand times.

None of which is a strong enough case to turn down a paying job.

Reply to
Roger Shoaf

I agree, its rare, but its not imposable to be sued. my state is one sue-crazy state. however, Shiva's question was specific coverage provided by State Farm.

Reply to
Key

I wasn't really addressing Shiva's question, My point was addressed at your comment about the point in time a claim is paid being after the claimant establishes you are at fault.

I then made my observation about the whole liability for air-bag issue being overblown in general.

As far as your comment about being possible to sued for damn near anything this is true almost anywhere lawyers exist.

Reply to
Roger Shoaf

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