Tom DeReggi wrote:
Excellent point Travis. It would be covered under business liabilty
insurance and/or workman's comp.
Auto insurance is meant to cover the driver or other guy that got hurt
in a driving accident.
Never once heard of a bucket contributing to a driving accident with
another vehichle.
Unless of course you were driving down the road and forgot to lower
the boom before driving away :-)
Your business liabilty insurance is also more appropriate for this, as
you classify what type of business you are in. Using it as a
"lineman", "home construction", or "Computer Networking" can be
considered and has required provisions for defining that in the
agreement.
Tom DeReggi
RapidDSL & Wireless, Inc
IntAirNet- Fixed Wireless Broadband
----- Original Message ----- From: "Travis Johnson" <[EMAIL PROTECTED]>
To: "WISPA General List" <wireless@wispa.org>
Sent: Thursday, November 16, 2006 6:03 PM
Subject: Re: [WISPA] Insurance for use of bucket truck or lift for
installs.
Tom, Wrong answer about the business liability insurance :-) . In most
states, the insurance covers ANYTHING that arises due to the vehicle or
its use. For instance, in PA, if You close the van door on Your
hand(even if the vehicle is parked and not moving) and break it, Your
auto insurance has to pay the medical bills. If the operator of the
bucket truck sends it through the roof of the house they are working on,
then the property damage coverage of Your auto policy(primary) kicks in
and pays for the roof. There is a chance that Your business insurance(GL
or general liability) policy would cover You on a secondary basis if the
coverage on the auto policy was not enough and You were sued for the
difference?(Varies by state). The legal term for this is called the
"proximate" cause of the accident or problem, and since the bucket was
attached to the van, the auto policy will cover it. This is why Your
insurance CO is pitching a fit about the bucket. Here is some more
insurance trivia that all of You should be aware of, as I for one hate
surprises. Did You know that if at the end of Your employees shift, You
ask that person to drop off a check, contract, pick up a part at radio
shack etc. and they are involved in an accident, You are going to be
sued right along with Your employee and their (employee's)private auto
insurer will more than likely deny the claim, as most personal lines
policies do not cover any type of business use, period. The idea here is
that the accident in question would have never occured if You had not
asked the employee to run an errand for You. We also have some of us
business owners that do not own any private vehicles. If everything You
own is insured commercially?, Do Not EVER rent a vehicle unless Your
Business auto policy has "drive other car coverage", because if it
doesn't?, You will be paying the bill for the accident, as most
commercial auto policies only cover the vehicles listed on it, and if it
'aint there?, It 'aint covered. :-(
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