Quote:
Originally Posted by patrickt
Alright, then let's change the scenario to an impaired Cobra owner who blows through a red light without even tapping his brakes and broadsides a school bus. The insurance adjuster then says "hey, I See billboards on that Cobra, OK policy nullified." You really think that makes sense?  |
Insurance payout for vehicle damage only would probably happen
without incident or question. A claims adjuster with exception of total
loss would simply ask for up to (3) quotes for repair. In this scenario
unless something was red flagged in the police report, they will pay.
Now, getting into an accident with property damage or injury/death is another
matter as it would likely involve litigation. Expect recorded interviews,
driving and vehicle maintenance records pulled by discovery. If the
plaintiff discovers and can prove those non-DOT tires and your
willful negligence to use them contributed to the cause of damage/injury/death,
judgement awards could exceed your insurance limits of liability.
You roll the dice and live by the decision. Any mental gymnastics played
to justify that decision will be rendered non-relevant in court.
Your best indicator is if there's been some prior precedence
involving non-DOT components.