A Liability Question

[Cal Metal]

I doubt that the issue of "Product Liability" is an issue here. That type of insurance is typically bought by people who are in the business of manufacturing (as a bona fide going concern) a particular product. An individual producing a car, from a kit, for personal use wouldn't fall into that category. If, however, you built a car under contract for someone else, it would most likely apply.

In your example, George, that type of accident, and the resulting liability, would probably accrue to the manufacturer, assuming you hadn't built the front end. The thing to check would be any case law dealing with your question. These are NEVER black and white questions--any more than there are black and white answers.

You might wish to check with your insurance carrier and have them determine if it would be covered under some sort of liability umbrella that many consumers have. It cost about $900 a year providing $4,000,000 of coverage.

As a side note, almost all replica car manufacturers don't carry Product Liability insurance. It would raise the cost of the vehicle so much as to make their product less competitive.