Posted by oldtanker on January 11, 2015 at 07:47:40 from (64.118.3.75):
In Reply to: Pickup Rim posted by jimg.allentown on January 11, 2015 at 07:24:58:
Quoting Removed, click Modern View to see
It's simple. Read the policy. If it doesn't have a specific exclusion it's covered. It's that simple. In the case of a home weld job on the rim the exclusion would be broader than just saying something about welding a rim. It would be something about "repairs not in compliance with manufacturers procedures that result in damage to the insured vehicle or 2nd party vehicles or property".
So what this really breaks down to is if that rim lets go after a home weld repair is personal liability. That rim fails and the tire goes through someone's windshield and seriously injures or kills someone you are liable. Anything insurance doesn't cover or exceeds the limits of the policy you are liable for. Most wrongful death lawsuits far exceed the limits on an auto policy.
Plus a local DA could decide to pursue charges like negligent homicide.
So what are you willing to risk? A home repair could hold forever or it could weaken the rim and cause a failure at highway speeds.
As far as insurance talk on here, everyone has to have insurance. Home, health, life, auto, farm and so on. So having a discussion is relevant to all of our daily lives. As a former licensed by MN, independent adjuster it's important. It protects us from a loss that can be devastating without it.
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