Careful When Adding Extra's ---------

**JDNSW** · 30th November 2006, 06:03 PM

Actually it may not be as bad as it seems. While most insurance companies will have a go at avoiding anything they can, I believe that you will find most states have an insurance ombudsman and also state legislation that effectively requires the insurer to show that (using this case as an example) the cargo barrier caused or contributed to the accident or injury - for example something coming through the barrier they would have trouble proving that the barrier was the cause of the injury, but if it came loose and hit someone then they would have a case, although even then it would not be automatic, for example if the barrier had your unrestrained 50kg toolbox behind it.
Going to the insurance ombudsman is low cost, probably free in most cases, but you still may have to take the insurance company to court - and I have heard of some individuals winning on large claims, such as flood damage, although it can take years.

John

**Lucy** · 1st December 2006, 08:22 AM

Originally Posted by weiry

especially these days as we come closer to the USof A "The land of Suing"

We passed The USA years ago! NSW has the most law suits per head of population of anywhere in the world, followed by the rest of Australia, then California then the rest of USA! Go figure

**dobbo** · 1st December 2006, 08:56 AM

Originally Posted by Lucy

We passed The USA years ago! NSW has the most law suits per head of population of anywhere in the world, followed by the rest of Australia, then California then the rest of USA! Go figure

Them that there's them stay-test-icals again aintum,

Statistics can be read whichever way you want them to be, personally I don't want to think present day Australians are as bad as the stereotypical money hungry American's (could I get sued for that remark?)

It's like the Aus Fedral governments initiative to fight morbid obesity (rise interest rates and petrol prices, therefore no-one will afford to buy luxuries like food)

**landrovermick** · 1st December 2006, 09:08 AM

We recently leased a D3 for work.... we had to have a cargo barrier fitted - Land Rover told us there wasnt one in production for them, three months or so later and land rover had one produced and tested in the UK - apparently ther had to cracs a vehicle with one fitted ?

makes one think how people who make after markek bull bars / bumper bars etc for land rover products go? isnt there a couple of people on this site that make them?

**DiscoDave** · 1st December 2006, 09:56 AM

Originally Posted by landrovermick

apparently ther had to cracs a vehicle with one fitted ?

Drib ik ars tu nest?

**dobbo** · 1st December 2006, 10:06 AM

Originally Posted by DiscoDave

Drib ik ars tu nest?

Yes master Yoda.

**solmanic** · 1st December 2006, 04:28 PM

Originally Posted by White 110

So what happens if you don't have a cargo barrier and in an accident something moved forward and damages someone. Are we covered by insurance?

That is why mothers-in-law sit in the back seat.

**BigJon** · 1st December 2006, 04:54 PM

Originally Posted by solmanic

That is why mothers-in-law sit in the back seat.

Are you implying that mothers in law are dangerous?

Thread: Careful When Adding Extra's ---------

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