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jrilla 
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Joined: November 19, 2002
Location: North Dakota, United States
Posted: December 05, 2002 at 5:46 PM / IP Logged  
What types of insurance do you guys out there have who are doing this by yourself?   Or even if you have just a small shop? 
J Rilla
Owner/Installer
Velocity Motors 
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Joined: March 08, 2002
Location: Manitoba, Canada
Posted: December 06, 2002 at 12:30 AM / IP Logged  
None, the shop pays for any damages done to vehicles by the employees. This is a tax right off for the company and also if it happens too many times, the person will look for a new job
Jeff
Velocity Custom Home Theater
Mobile Audio/Video Specialist
Morden, Manitoba CANADA
jrilla 
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Joined: November 19, 2002
Location: North Dakota, United States
Posted: December 06, 2002 at 6:45 AM / IP Logged  
Thats what I mean, if you dont work for anyone, but do this fulltime on your own, what type of protection do people have in case a guys car catches on fire two weeks or a year after you installed something in his car?  I heard a horror story about this and I am not sure the insurance I have covers something that far down the road.
J Rilla
Owner/Installer
Velocity Motors 
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Joined: March 08, 2002
Location: Manitoba, Canada
Posted: December 06, 2002 at 9:27 AM / IP Logged  
Usually if something happens after the car leaves our shop ( like a year or so down the road ) it's not our fault. That's what the customer's insurance is for. If YOU damage something on the car while installing the unit, then you are liable but after the car leaves the shop ( even if it's the next week ) and it burns down, the vehicle insurance will cover this, not the shop.
Jeff
Velocity Custom Home Theater
Mobile Audio/Video Specialist
Morden, Manitoba CANADA
jrilla 
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Joined: November 19, 2002
Location: North Dakota, United States
Posted: December 06, 2002 at 9:33 AM / IP Logged  
Even if they can prove that that the installation job was the cause? If so, then I am fine, because I have coverage for vehicles that are in my control, but not once they leave. 
J Rilla
Owner/Installer
Velocity Motors 
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Joined: March 08, 2002
Location: Manitoba, Canada
Posted: December 06, 2002 at 9:46 AM / IP Logged  

It's not different than if someone gets behind the wheel of a car, absolutely smashed and totals off  his car. Insurance will cover for this, but not much use if the guys dead or in jail. That's what insurance is for, accidents. Not that you were trying to burn down anyones's vehicle... it just happened and insurance here would cover for this type of situation.

Jeff
Velocity Custom Home Theater
Mobile Audio/Video Specialist
Morden, Manitoba CANADA
jrilla 
Gold - Posts: 1,498
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Joined: November 19, 2002
Location: North Dakota, United States
Posted: December 06, 2002 at 10:18 AM / IP Logged  
Thanks Jeff
J Rilla
Owner/Installer
Velocity Motors 
Moderator - Posts: 12,488
Moderator spaceThis member has made a donation to the12volt.com. Click here for more info.spaceThis member has been recognized as an authority in Electrical Theory. Click here for more info.spaceThis member has been recognized as an authority in Fabrication. Click here for more info.spaceThis member has been recognized as an authority in Mobile Audio and Video. Click here for more info.spaceThis member has been recognized as an authority in Mobile Security and Convenience. Click here for more info.spacespace
Joined: March 08, 2002
Location: Manitoba, Canada
Posted: December 06, 2002 at 10:24 AM / IP Logged  
No problemo.
Jeff
Velocity Custom Home Theater
Mobile Audio/Video Specialist
Morden, Manitoba CANADA

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