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28 votes
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A car catches fire in a carpark. The resulting fire spreads destroying the entire carpark. Who is liable?

In General The insurer is never primarily liable for anything. Someone who may or may not have insurance is responsible. A person harmed can't sue somebody else's insurance company (except in the rare ...
ohwilleke's user avatar
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11 votes
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I am being threatened by a company to pay a disputed liability NOW or face additional Solicitor costs

Issues in the question In Australia, any civil claim below $10,000 is considered a small claim This depends on the State or Territory involved. In three the limit is $25,000, not $10,000. In only ...
David Siegel's user avatar
10 votes

Would vehicle insurance be valid if someone else, other than the person whose name the insurance is under, drives it?

United Kingdom Only the drivers named on the insurance policy are covered to drive the vehicle. For example, when I was learning to drive in my father's car, he arranged with the insurance company to ...
Weather Vane's user avatar
  • 2,560
8 votes

When do I own a car (private sale)

It appears that title changes when both the seller and the buyer sign the reverse side of the vehicle registration certificate. While a vehicle registration with the government is prima facie evidence ...
ohwilleke's user avatar
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7 votes
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What are the Legal obligations of a bicyclist who accidentally scratches one’s empty parked car?

According to Rule 286 of the Highway Code then the actual legal requirement doesn't mention an exchange of insurance details. If you are involved in a collision which causes damage or injury to any ...
JustAnotherCoder's user avatar
7 votes

Would vehicle insurance be valid if someone else, other than the person whose name the insurance is under, drives it?

German law recognizes three different parties: Kraftfahrzeugführer, motorist Kraftfahrzeughalter, keeper/maintainer (entity paying for operations on own account) Kraftfahrzeugeigentümer, owner (...
Kai Burghardt's user avatar
6 votes

Have been waiting for the seat belt part without any ETA for more than 10 months now

This would appear to violate Consumer Guarantees under the Australian Consumer Law australia One of the statutory guarantees is that spare parts and repairs must be available for a reasonable time ...
Dale M's user avatar
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6 votes

Would vehicle insurance be valid if someone else, other than the person whose name the insurance is under, drives it?

You are talking about Germany. There and in many other countries there are two distinct meanings of “insurance”: Is an innocent victim protected from damages, and is the person responsible protected? ...
gnasher729's user avatar
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5 votes
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Is it a good idea to combine vehicle loss claim with personal injury when hiring a lawyer?

In virtually every case, the same lawyer would handle all damages from the same accident. The cases almost completely overlap except for the proof of damages, and the damages are paid for by the same ...
ohwilleke's user avatar
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5 votes

is it legal for a body shop to waive my deductible

Suppose the shop bills you $2000 and you have a $750 deductible. You pay them $750, your insurance company pays $1250. Now suppose instead that the shop purports to waive the deductible. In order ...
phoog's user avatar
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5 votes
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Will disabling the ABS system on a used car void the auto insurance policy on that car?

Will disabling the ABS system on a used car void the auto insurance policy on that car? Possibly yes, if you haven't declared it to your insurer / agreed it with your insurer. Check your policy ...
Lag's user avatar
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4 votes

Can an auto policy cover their insured when they intentionally ram someone else’s vehicle?

My findings so far are: It does appear to be against public policy at least in California and Oregon. In California outlawed statutorily — Ins. Code § 533 provides: “An insurer is not liable for a ...
kisspuska's user avatar
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4 votes

I am being threatened by a company to pay a disputed liability NOW or face additional Solicitor costs

new-south-wales The small claims threshold is $20,000, not $10,000. There is no rule against being represented by a lawyer. Costs can be awarded in certain circumstances, however, these are limited by ...
Dale M's user avatar
  • 211k
4 votes

Would vehicle insurance be valid if someone else, other than the person whose name the insurance is under, drives it?

Specifically in germany, you can't get a Zulassung (licence to drive it on public roads) for your car without insurance. There's better tiers, but the lowest tier is "damages to others are ...
Syndic's user avatar
  • 141
4 votes

A car catches fire in a carpark. The resulting fire spreads destroying the entire carpark. Who is liable?

The details in the US are state-specific but the basic outline is the same throughout the country. Liability arises when a person acts negligently or willfully and causes damage. It takes special ...
user6726's user avatar
  • 215k
4 votes

Would vehicle insurance be valid if someone else, other than the person whose name the insurance is under, drives it?

Your insurance certificate or policy document should tell you exactly who is covered and what cars. ireland My insurance certificate states that I am covered to drive the car with the specified ...
komodosp's user avatar
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3 votes

Insurance — Intentional act by someone else

Your insurance policy is probably not liable, but not due to the intentional act exclusion. Insurance only comes into play when the insured is legally liable for something. Non-driver liability for ...
ohwilleke's user avatar
  • 218k
3 votes

What happens to oneself when one is at fault in accident with their own injuries?

You said no fault state. That is key. Up to the (state-dependent) limits of no-fault, Party 1's insurance pays Party 1's damages, Party 2's insurance pays Party 2's damages. Both drivers would make a ...
user71659's user avatar
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3 votes
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Warranty repair and collector's items

Barring manufacturer negligence (and even this is a dubious theory, given that recovery would be for pure economic loss), there is probably no legal theory that would allow recovery of any loss of ...
Jen's user avatar
  • 57k
3 votes

How are damages calculated if replacement requires purchase of unnecessary parts?

General the measure of property damages in an automobile accident lawsuit in the United States is the minimum amount of money necessary to restore the vehicle to its pre-accident state, and/or the ...
ohwilleke's user avatar
  • 218k
3 votes

Will disabling the ABS system on a used car void the auto insurance policy on that car?

You’d have to check the cars license for general use in your country. There will be cars that are safe to drive without ABS and the ABS just gives you additional safety, which is nice to have but not ...
gnasher729's user avatar
  • 34.1k
3 votes

Will disabling the ABS system on a used car void the auto insurance policy on that car?

You risk voiding your registration new-south-wales Modifications to the braking system must be assessed by a licenced certifier under the Vehicle Safety Compliance Certification Scheme (VSCCS). The ...
Dale M's user avatar
  • 211k
2 votes
Accepted

Is it insurance fraud to intentionally let your car be stolen?

Yes it is You have a duty to take reasonable precautions to protect your property. This is almost always explicit but it’s also implicit given your duty of utmost good faith in insurance contracts. ...
Dale M's user avatar
  • 211k
2 votes

Renting a car to a friend

This is tricky. In the UK, your "normal" car insurance covers private usage. That includes driving to work, driving on a private holiday to southern spain, lending your car to a friend who ...
gnasher729's user avatar
  • 34.1k
2 votes

Rear ended auto accident

In a rear-end accident the car at the back is (almost) always at fault australia 126 Keeping a safe distance behind vehicles A driver must drive a sufficient distance behind a vehicle travelling in ...
Dale M's user avatar
  • 211k
2 votes

Am I required to report accident to my personal auto insurer if I was driving a government vehicle

You need to report it to the responsible insurer or self-insurance claim processing firm so they can process the claim. You only need to report to citation and/or accident to your personal insurer if ...
ohwilleke's user avatar
  • 218k
2 votes

Would vehicle insurance be valid if someone else, other than the person whose name the insurance is under, drives it?

australia Personal injury insurance All states and territories have compulsory third-party injury insurance (CTP) that is required in order to register a motor vehicle. In New South Wales, Northern ...
Dale M's user avatar
  • 211k
2 votes

Would vehicle insurance be valid if someone else, other than the person whose name the insurance is under, drives it?

germany Let's only consider the liability here. Car liability insurance in Germany is mandatory.1 Without this insurance, you cannot register the vehicle in Germany. The car is insured, not the ...
Peter - Reinstate Monica's user avatar
1 vote

Would vehicle insurance be valid if someone else, other than the person whose name the insurance is under, drives it?

Germany: For your damages: It's an option you can choose in the insurance. There are insurances that won't cover this and others that will. It's simply an option that costs extra money. For damages of ...
DonQuiKong's user avatar

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