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

["K.L. (KAYO) Ong" <klo@xxxxxxxxx>]

Bill:

You say: "DMCH markets itself as the closet thing to Dummury" and you  
added that "hardly 'backyard'."   I am not sure of your  
implication???  The DMHC operating as a business should have business  
insurance.  The business insurance should have an "umbrella coverage"  
as to back up the products they sell, why we as customer would not  
worry about the products brought.

As I have said, people can conjured up and make nice workable  
modifications.... And these mods may work well... But, when the  
modified parts fails, what will be the outlook and the position that  
the underwriting insurance company take?

And as far as the other "stateside DMC franchise" vendors selling  
another person or company's manufactured products, it only means that  
they sell the parts.  And again, hopefully for them that they have  
business insurance or product liability insurance to cover themselves  
as well.

You brought up Rob's Green DeLorean, I am sure Rob has his business  
insurance to cover his Green DeLoreans front end.   I do believe that  
when he puts his "NYS Dealer" plates on it, there is an umbrella  
coverage?   Also, if Rob does something to his Green DeLorean and for  
what he ALSO do for his customer, he ALWAYS has "liability" with the  
products or service on his mind... Do ask me and I will personal tell  
you on several issues!!!

As for Ed Uding, he should have insurance for the products he sells  
as well and all of the people that are involved in selling his  
products?  (Foolish if he and they don't.)

Many DMLers have seen your front-end creation and you maybe right on  
your findings and many will side with you to the point that owners  
will consider your findings as gospel and they will installed your  
mods into their DeLoreans.   Now suppose, let's say some years or a  
decade goes by and something really drastic happens to a converted  
DeLorean where "bodily harm" is involved.  Do you think the insurance  
of the DeLorean involved will be covered when they discovered the  
undocumented conversion is the caused of the problem?  I believe the  
insurance company will not cover the damages of property and the  
people involved, because it was not disclosed to them (lied or  
deceptive)...

I am curious, if your insurance policy covers your modify DeLorean?   
Do you or have you the need to inform them that your DeLorean front  
end is no longer original and modified?

Bill, I really don't know you or your lifestyle.  You are articulate  
and do come off very well in depth in what you believe and what you  
do with your DeLorean and you do have an adequate answer for all when  
questioned.  I can respect that, but in these cases your carburetor  
mod and the front-end mod are two major differences when something  
should go wrong.  You need to tell people that failure is an option  
as well... As for your car, the worst that can happen with your  
carburetor modification is fire to your DeLorean and will stop  
running and on the worst, you may not get paid by the insurance.   
With the front end and whilst in motion, it can be disastrous for  
people in the DeLorean and the innocent people around the DeLorean  
should failure arises.  But on the other hand, your modified front  
end can last forever...  Who knows...  Insurance is the my only issue  
on my long winding thread with the mods/conversions.... Nothing more,  
nothing less.  Remember, a suer can change your world if there is  
"no" or "inadequate" insurance coverage...

BTW, FWIW, two years ago I had witness on the I-495 Eastbound of the  
Long Island Expressway's shoulder, there was a brand new bright  
Yellow Ferrari with the right side of front end down with the bumper  
sitting on wheel that was lying flat on the road.  It seems to me the  
front end had collapsed.  The Ferrari had not struck any other car on  
the road.  Luck for him it was a just an embracement for there was a  
very long tattletale skid mark from the road right into the dirt  
shoulder.  When all of these threads of the front-end mods came on  
the DML, all that came to my mind was the Bright Yellow Ferrari on  
the side of the road....

Kayo Ong
#5508
Lic. 9D NY


On Nov 8, 2011, at 7:42 PM, content22207 wrote:

> 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]
> >
>
> 



[Non-text portions of this message have been removed]



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