Thor Forums

[Pete'sMH]

Originally Posted by Harley97

As far as insurance coverage, I agree with Boband Travelin Texan here. If your company doesn't cover you and you were following laws and not being negligent you need a better company or lawyer.

Insurance doesn't get to decide the quality of the items you are using. The law decides that. Your policy covers your homemade tow bar(assuming its reasonably solid) just as much as a $1000+ dollar blue ox. If you don't have extra brakes and they aren't required you are covered. Unless something in your policy says otherwise, which I seriously doubt.

Has anyone had an experience where they were found negligent and insurance didn't cover something because of who built it or insurance trying to claim you were required an item you weren't?

I have only made a few insurance claims and the only thing not covered was my lift kit when I was a kid. I didn't pay for the accessory coverage. I do now. I see a lot of what ifs about insurance coverage and being sued for negligence, but it seems like a high burden of proof for both. I think it would be easier in both cases to say you were driving too fast or too close for conditions and thats why you couldn't stop. I know thats what the accident report will say.

Not a vehicle issue, but not long ago we had roof damage to our newish home from a wind storm - as did many of my neighbors. My insurance company (who will go unnamed but they are like a good neighbor) denied my claim because, they said, the builder didn’t install the shingles correctly. We eventually prevailed but had to track down the builders roofing sub and get them involved.