Miata Mailing List: November 1993, Message #57
sponsored by



     


   From: Al Jenab 
Subject: RE>Re: RE>Re: mx5 brakes and more power (fwd)
   Date: Thu, 4 Nov 1993 08:27:23 -0500

Bruce writes:

"When you mislead (ok, defraud) your insurance company about aftermarket
performance equipment, not getting reimbursed for the stolen supercharger is
the least of your worries.

If you have a liability problem (like accidently running over a two-year-old),

misreporting your equipment could nullify your contract.  They could refund
your premium, and you will be on your own defending against a $250,000
punitive damages claim."

Bruce,
I sort of see your point, but it would be extremely difficult to prove that 
the supercharger had caused the running over of a two-year-old in your example,
 unless you were travelling at a speed unreachable in a dead-stock car.  If 
that were the case, having a radar detector in your otherwise stock car at the 
time of an accident would also cause you to be dumped.  (GEICO doesn't like 
radar detectors either).  Taking things further, just not informing them of a 
new set of performance tires on the car (say a set of really sticky A008RS's) 
would be grounds for dropping you; after all you can pull lots more lateral 
acceleration and will probably cause multiple fatalies and mass destruction 
every time you zip around a corner 5 mph faster.   These are silly examples, 
but if the company did abandon you on any of these grounds, you'd probably 
have a pretty good case for suing them for breach of contract, not the other 
way around.
-Al