Miata Mailing List: November 1993, Message #58
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   From: buck@petra.ma30.bull.com (Kenneth J. Buck)
Subject: Re: ins co's again
   Date: Thu, 4 Nov 1993 09:17:02 -0500

> From: Al Jenab 
> Subject: RE>Re: RE>Re: mx5 brakes and more power (fwd) 
>
> [...] 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.  [...] not informing them of a new set of performance tires on the
> car [...] would be grounds for dropping you [...]
> 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.

i'd be very careful here.
i'm sure most ins co's don't care much about your tires or whether
you add a K&N air filter, etc.  on the other hand, they don't have to
*prove* that your turbocharger caused the accident, either - they
just have to prove that you lied on the application form (assuming
that they asked in the first place, etc.).

also, IF the renewal questionaire says "answer these questions, and
if you lie about something, consider yourself Not Covered, etc.",
i'd be wary of assuming that it's okay to hold off installing
your new supercharger until 10 minutes after putting the form in
the mail.  there MAY be some fine print that says "if the status
of your car changes with respect to these items, you have to tell us."

all i'm saying is, BE VERY CAREFUL about what you _assume_ about
insurance applications and policies.  read carefully and ask questions
if in doubt.  insurance companies are full of lawyers and have a lot more
financial backing than you or i do if it comes to a court challenge.


--                                             
Ken Buck                                          /|
Internet: k.buck@ma30.bull.com                \'o.O'    ACK!
Mail:     Bull, MA30-833A                     =(___)= THPTPHH!
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