Attn: Shiva

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

--Shiva--

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

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.

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.

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.

---snip some---

agree, but La is a state that one better have un-insured motorist coverage. may insurance companies will not even come here because of all the folks wanting something for nothing.

my2¢