E. Meyer wrote:
> On 12/13/04 3:32 PM, in article FImdnffBNq7qlyPcRVn-ig DeleteThis @giganews.com,
> "Hagrinas Mivali" <remove.to.reply DeleteThis @sbcglobal.net> wrote:
>
>>
>>
>> AZGuy wrote:
>>> On Sat, 11 Dec 2004 11:52:10 GMT, nharriet DeleteThis @navpoint.com (N. Harriet)
>>> wrote:
>>>
>>>> Do you know how to drop a 1993 Infiniti Q45 oil pan?
>>>>
>>>> A biker dropped his pannier in front of me on the freeway.
>>>> After dragging the saddlebag for 100 yards, I ran out of oil.
>>>> Turns out I gouged and dented my Q45 oilpan beyond repair.
>>>> I went down below but can't figure out how to drop that oil pan.
>>>> So much heavy duty suspension stuff seems to be in the way.
>>>>
>>>> Anyone have a description of what the steps are?
>>>> How long is the shop rating?
>>>
>>>
>>> Shouldn't either his or your insurance cover this???
>>
>> That depends on the insurance. The other guy's insurance should
>> cover this, assuming he has insurance, and his identity is known. If
>> not, it could be covered by uninsured motorist property damage or
>> comprehensive, depending on the circumstances, if that type of
>> coverage exists.
>>
>>
> Depends where you live. Here in Texas the law is very clear that
> anything you hit is your own fault, not the fault of the guy who
> dropped it ahead of you. So, if you live here, it will be a claim
> against your own insurance.
It's not that way where I live. In some cases, I was surprised at the
rules. If you hit an animal here, it's always covered by comprehensive, for
example. I can see why it should not be your fault if a deer jumps out of
nowhere, or if you hit a boulder that rolled off a hill right in front of
you, but I had assumed it would depend a lot more on the circumstances.
Also, glass damage is always out of comprehensive here, no matter what
caused the damage. (There may be some fine print saying that if you break it
on purpose, they won't pay, but it's almost always true.)
Such laws often depend little on what's right or wrong but on which party
controls the legislature. If something is unavoidable, it cannot reasonably
be your fault. But if big business comes ahead of consumer rights, then
that's the price you pay.
I suppose that one could argue that if you are keeping a safe following
distance, then if you slam on your brakes when you see something flying, you
will not hit it. The insurance of the person who hits you will pay for
damage to your car when you get rear ended, and your basic medical bills
will be paid for, but nobody will pay for your life of pain.<!-- ~MESSAGE_AFTER~ -->
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