is it possible to obtain liability insurance for demo rides.if not is there a way that a signed waiver is legal?
206712
Talk with your friendly local insurance agent.  It may be possible to get liability insurance for this, but it's going to be expensive.  \n\nLiability waivers are usually not worth the paper they're written on, and probably won't stand up in court.\n\nI prefer to deal on a "satisfaction guaranteed" sale policy... Buy the bike, then take a test ride, and if you don't like it, we'll cancel the sale and take it back. Of course, if you wreck it, it's yours...
451610
Sounds awful, mate. You do have a chance with this but, as ever, the devil's in the detail.\n\nWitnesses to poor working practices would help but aren't essential. Your employer was required by law to publish and comply with a Health and Safety Policy Statement, setting out company policy to ensure safe systems of work. If they were as slipshod with the paperwork as they obviously were on the job then that improves your chances dramatically. Essentially they would then have difficulty in demonstrating - as they will probably try to pretend - that they were a conscientious employer who took all reasonable steps to discharge their duty of care towards you. A court would instead infer a cavalier or inadequate regard to health and safety. \n\nAlso what, if any, health and safety element was included in your induction training for the job ? If little or none that could again easily lead to the inference that they have failed in duty of care.\n\nEven if the employer can tick both of these boxes, you aren't lost. Your medical evidence should not only support the injuries you've suffered but establish a timeline for the development of your condition. Taken together with the statement you've prepared the inference will clearly be that your condition is attributable to the workplace. Causation is obviously very important here and they may try to suggest that your condition is due to other factors. Alternative causation is an old favourite and can range from the obvious - any birth defects, ever in a road accident - to the bizarre. Once had a case like this where wheelchair using client was asked ' I understand you're a keen parachutist ' - the brief was reading the wrong file ! Your evidence together with the medical timeline consistent with workplace causation should be enough to defeat anything like this.\n\nSo, yes, this can be done without direct witnesses from the job. As the others have said these things tend to be a real grind and are rarely resolved quickly. Still, don't be completely disheartened, they might realise they're on a loser and offer a settlement, rather than take the hit on legal costs. Unfortunately it is more common for employers to play these things long in the hope that you do become disheartened and withdraw. \n\nFor what it's worth you do seem to have a reasonable case and it would be a shame to give up on it, especially since you've already shown a lot of perseverance to get this far. Bad employers like this should be brought to book and you deserve some acknowledgement of what you've been put through with this. All the very best with the case.
376240
I have an insurance policy with Adrian Flux and find them just fine.  You should ask them why your policy was rejected or refused - did you answer the questions correctly?  You find that you can get a quote on the phone, in response to the questions you answer - did you give them any other information to make them refuse the insurance.  \nYou should write to them and ask for a written explanation and then, if you still have concerns, refer them to the Insurance Ombudsman.  However, before posting something potentially libellous (as you have done) at least give us their side of the story so that we can consider ALL the facts!
119440
Ouch! When no void comes to a settlement with insurance, your best best would get a injury lawyer.  In most case you will WIN and don't have to pay a lawyer one cents.  Check with the law bar in San Fransico and ask the clerk to find you good rate lawyer who wins win.  Hopefully they will have someone contact you.  Good luck, i would file, because I had to in the past when I was in a car accient and it was the cop fault.  Had to sue the city!
650742
One place to look:\n\nhttp://en.wikipedia.org/wiki/Vicarious_liability
112630
There really is no "ballpark" but it will be a good amount.\n\nBe aware that most states have "resident relative" laws pertaining to insurance.  That means that if your child is involved in an accident on his own policy and the damages max out his policy, and he lives with you, if you have excess insurance (higher limits than he does), the other party can pursue your insurance as well.  I am not sure if this applies in Texas, so I would ask a broker or whatever insurance company you call, if you try going direct (like through GEICO).  You will probably need to set high limits on your child's policy at least equal to your own to avoid something like that.
411744
Yes, you will need a great deal of liability insurance.\n\nMost important, you having them sign a release saying that neither you nor the hotel is liable for accidents is NOT going to stop the lawyers from suing the bajeezus out of both of you if somebody does get hurt in an accident.\n\nThose release forms are pretty meaningless unless you write them to include every possible contingency and force all disputes into mandatory arbitration.\n\nThink about what can happen.\nWhat if somebody falls down the stairs going to the stage?\nWhat if one of the contestants claims you defamed her or that the contest was somehow rigged?\nWhat if one of the contestants is sexually assaulted after the pagaent in one of the hotel rooms?\nWhat if one of the attendees got a bit too tipsy after the pagent in the hotel bar and gets into an accident on the way home?\nWhat if one of the sponsors backs out of fulfilling one of the prizes?\nWhat if, god forbid, a terrorist or madman decides to strike and lots of people get hurt or are killed?\n\nDo you think a little release form is going to absolve you of that liability?  Think again.\n\nThe trial lawyers will come after the hotel and you and they will come hard.\n\nIf they win a judgement against you and you have no insurance or don't have enough insurance, do you think it ends there?  Nope, they will come after everything you own....your house....your cars....your money in the bank....they'll literally take it all....to satisfy the claim.\n\nSo with all that in mind.....it is worth it not to have insurance for your pagaent?\n\nYou absolutely need insurance and you need a lot of it.\n\nLuckily for you, this kind of coverage is actually pretty easy to get and quite affordable.
632122
Did you say that the guy who hit you owns a business?  Hmmmmmmmmm.   He was stupid to not have insurance.  But if his business is profitable, that's your insurance.  You can get a judgment against his business and garner his profits.\n\nThat having been said, you should do a couple of things.  First, take the guy up on his offer to pay for your expenses.  DO NOT SIGN ANYTHING FROM THIS GUY UNTIL YOU TALK TO A LAWYER.  In the meantime, let him help with your medical expenses.\n\nAnd then find a lawyer and sue his @ss.  \n\nI'm sure this is the exact wrong time to say this, but I'm saying it for everyone else's benefits -- this is a prime example of why you want your insurance affairs in order.  Keep your liability limits as high as you can afford.  In this case, you should have carried uninsured motorist coverage.  UM insurance is outrageously cheap and will usually only cost you on the order of about an extra $100 per year on your insurance, depending on the limits of your coverage.  In this case, you would have been insured and not in the mess.  As it is, this may take some creative and agressive negotiating to free you of this cr#p.  \n\nGet yourself an attorney right now.  Go to www.martindale.com for a listing of attorneys in your area.  I'm sure you can find one who will take this case on contingency.
307902
You can, but they warn against it.  If something happens to you on the ride you aren't able to hold them responsible.  I probably wouldn't do as that's a dangerous game.
68801
Fortunately, tax liability doesn't have anything to do with legal culpability. If your son is over 18 and not mentally or physically handicapped (prior to the accident) to the point that he is incapable of providing for himself, you should not bear any financial responsibility for his actions. That said, anyone can sue anyone for anything. If an insurance agency or private party tries to get you to pay or bills you at all, get a lawyer... fast. And don't pay anything at ALL with your check or in person. That can be construed (by greedy lawyers) as you taking financial responsibility for the accident.
386650
no win no fee is accidents...\n\nyou can get free legal aid... see your solictor that specializes in employement law.. or cab.\n\ndid you sign a contract?
522220
Most insurance companies will not allow you to hire this type of driving record due to liability.
548829
An umbrella liability policy has an "underlying limit requirement".  For homeowners, it's usually $300,000. That means, that you have to have personal liability (found on a renters policy or homeowners policy) with limits of at least $300,000 before the umbrella policy "kicks in".  \n\nThe renters policy costs $150 a year, give or take.  You WILL have to purchase it in order to get a personal umbrella policy, which should run you around $250 a year for $1,000,000.\n\nThe truth of the matter is, even if you don't own your home, you LIVE somewhere, and you have the same liability exposure from living in an apartment as you do living in a home.  If a friend trips on your carpet and breaks his leg, he can still sue you!!  Your dog can still BITE someone, and you can still hit someone while driving a golf cart at the club!\n\nYou CAN find a company willing to write the policy without the underlying renters policy, HOWEVER, it will probably have defense costs WITHIN LIMITS, and have a $500,000 deductible (underlying limit, which you choose to decline) so you'll have to prove to them that you've paid the first half mil before they start paying anything.   This would be through an inadmitted carrier in your state, and will probably run you $750 a year.  Cheaper to do it the other way.
519186
Contact an independent agent such as a Natiowide agent. If they can't write it with their "standard" companies, ask them for a quote throught a wholesaler. You may be able to get a quote with a national association relating to EMTs. Ask others who are EMTs or the instructors. They should have an idea of where other students have gotten their insurance.
405754
I would say yes and consult an attorney. It would probably depend upon the waiver you had signed,
408241
I wish that I were with you! I would have straightened the mess out immediately!\n\nYou are not liable for an accident like this. Yes, you did ask for a booth. Flimsy chairs are not your problem, it is the owner's. He/she should consider himself lucky that you did not call police to report the accident. His/Her insurance would have to cover your costs if any, then hefty deductible would be a deciding factor in buying new chairs and offering "complimentary" dinners to customers that have accidents in the restaurant.\n\nDon't you dare pay them a dime! God bless you for wanting to pay for damages. You have a sweet heart, but they have a rotten attitude.
458334
First of all I would NOT hand him cash.    He could take the money, hire a cheap outfit (or his nephew!) and pocket the difference.  IF you pay, you're going to pay the contractor directly, AND YOU are the one keeping the receipt, not him.  YOU are the client here.\n\nSecond, I would check and see if your "accidental damage" is such that you could be held legally liable for it.\n\nThirdly, if it WAS his insurance company paying, they would pay for the CHEAPEST estimate, not the highest one.  So don't feel obligated to fly in some fancy outfit from Hollywood.  \n\nSo, if it were me, I'd tell him, hey, sorry, I'll pay (lowest estimate) just like your insurance company would have, but only if you hold me harmless for all further damages, and sign off on this form.  jBecause otherwise, he can come back to you next year looking for more.\n\nAnd, you paying ANYTHING is more than he'll get anywhere else.  You *might* want to make the offer in writing, certified, return receipt, because if he sues you over it, you're going to need to prove that you tried to settle it fairly.