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] > ------------------------------------ To address comments privately to the moderating team, please address: moderators@xxxxxxxxxxx For more info on the list, tech articles, cars for sale see www.dmcnews.com To search the archives or view files, log in at http://groups.yahoo.com/group/dmcnewsYahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/dmcnews/ <*> Your email settings: Individual Email | Traditional <*> To change settings online go to: http://groups.yahoo.com/group/dmcnews/join (Yahoo! ID required) <*> To change settings via email: dmcnews-digest@xxxxxxxxxxxxxxx dmcnews-fullfeatured@xxxxxxxxxxxxxxx <*> To unsubscribe from this group, send an email to: dmcnews-unsubscribe@xxxxxxxxxxxxxxx <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/