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Question by ~M|ssy~: Question about Garage Legal Liability Insurance…?
I am going to give a scenario, I need to have to know if this really should be covered by the insurance.

A service tech is operating at a trustworthy dealership. He is changing tires on a customer’s automobile, but for some reason gets hurried and he forgets to tighten the lugnuts on 1 of the wheels.

The consumer leaves the dealership, and a mile down the road the wheel falls off the vehicle damaging the wheel.

Now the service tech’s boss is creating him pay for the replacement wheel and tire, plus body work required to the vehicle, even though there was no visible body damage.

Is this proper? Or really should the damages be covered by the Garage Liability Insurance?

I asked a similar question in the “Insurance” category and did not get a very good response.
Would the employer persue the service tech for the funds if he just located a new job and quit?

Greatest answer:

Answer by Ray
It totally depends upon the wording of the insurance policy. If it is covered, then the employee shouldn’t have to pay for it. Even so, he would probably be fired.

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Technorati Tags: about, Garage, Insurance, Legal, Liability, Question

Question by Truth Hurts: Legal theory question: what’s it known as when…?
Man A. starts a fire at a restaurant, then leaves.

Man B. sees the fire, and pours gasoline on it. The resulting explosion kills everyone in the restaurant.

Who’s responsible for the deaths of the patrons? Man A., or Man B.?

In insurance, “comparative negligence” refers to shared liability, but that is not what I’m soon after.

Is there a legal term or theory that greatest describes or applies to this scenario? 1 that assigns blame either to 1 party, or the other, or both? –Possibly some type of latin term (?).

Seems to me that the problem of “inevitability” comes into play:

It’s *feasible* some could have died due to the fire getting set, but it’s also *possible* all could have escaped with out injury. But it’s reasonably *inevitable*, that after an explosion, all inside a particular distance would be killed.

–Why am I appropriate, or wrong?

Very best answer:

Answer by James T
Man A would be charged with arson, and if the creating had inhabitants, reckless endangerment.

Man B would be charged with voluntary manslaughter, or if he in fact had the intentions of homicide, murder.

It was not Man A’s intention of killing anybody, but was a result of Man B’s actions. Unless they both planned to do this, then the judical technique would put conspiracy on there, and if they each ment to kill, conspiricy for murder in the ____ degree.

You are proper, but you are discribing the circumstance, not giving a punishment for the others.

(Good luck!)

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Article by William Bradly

When you own or operate a business that provides goods and services to the public, you will need legal insurance for your company. This type of insurance is an essential key that can protect you and your company if your clients or customers are injured by the products and services you provide. Legal liability insurance will protect your company’s assets if a legal claim is filed against you. Those who operate a sole proprietorship can purchase this type of insurance policy to help protect their personal assets. A large number of highly rated companies offer premium insurance policies with a variety of benefits. The goods and services you offer will determine the type of liability insurance and benefits you choose.

There are several different types of legal liability. No matter what type of company you have, or what type of services you offer, an insurance policy for legal liability can be tailored for your business. The activities and location of your business can also play a part in the type of insurance policy you purchase. Liability insurance and certain types of coverage may be mandatory depending on your area. Some basic types of mandatory liability include general liability, legal malpractice, bodily injury, workers compensation, and medical malpractice. Make sure you understand local regulations and laws regarding legal liability insurance before you open a business. You may need additional coverage according to your activities or products. Vehicle liability is a common type of insurance policy that is available to drivers of legal age. Up to date vehicle insurance is mandatory for all drivers in the United States.

Legal liability insurance becomes a necessary expense when you are running a business. If your company makes deliveries, your vehicles and drivers must be insured. If there are high risk involved with the services or products you provide, legal liability insurance will cover the damages if one of your customers or clients are injured while visiting your business or home based office. Having adequate liability insurance for your company is an important factor that will protect your business and cover your legal expenses if an unhappy customer files a lawsuit against you. The legal liability insurance policy will pay all damages awarded to the claimant, as well as your company’s legal expenses and court fees.

The cost of legal liability insurance for your company will vary according to your products or services, location, activities, and risk. Before you accept a quote, you should visit several insurance companies to compare the different policies and the benefits they offer to help you secure the best rate. Look for an affordable policy with the benefits you need to keep your business protected in the unfortunate event of a lawsuit.

Technorati Tags: business, HomeBased, Insurance, Legal, Liability, Office

Question by ~M|ssy~: Question about Garage Legal Liability Insurance?
I am going to give a scenario, I need to know if this should be covered by the insurance.

A service tech is working at a reputable dealership. He is changing tires on a customer’s vehicle, but for some reason gets hurried and he forgets to tighten the lug nuts on one of the wheels.

The customer leaves the dealership, and a mile down the road the wheel falls off the vehicle damaging the wheel.

Now the service tech’s boss is making him pay for the replacement wheel and tire, plus body work needed to the vehicle, though there was no visible body damage.

Is this right? Or should the damages be covered by the Garage Liability Insurance?

I asked a similar question in the “Insurance” category and did not get a good response.

Best answer:

Answer by jimbo
The garage is responsible for their employees, therefore they are responsible for the damages incurred. You will probably get fired, but tell your boss that you are not paying as it is his insurance company that should be paying the damages bill. There is no other answer.

Give your answer to this question below!

Technorati Tags: about, Garage, Insurance, Legal, Liability, Question