Forum Discussion
Shal36
Aug 04, 2017Explorer
Fireballsocal wrote:
Should he have an accident where someone else is hurt, any lawyer will point to the tow ratings on the car and say he was overloaded and negligent. He will be found partially, if not completely at fault and he might even run the risk of his insurance not covering him. .
If you are at fault, even if within tow ratings, the lawyer is going to go for the max on your policy limits. Your insurance company can try to deny coverage, but the plantif's lawyer has a vested interest in making them cover the incident. They can try to go after your assets if you have any, but if you structure things correctly, that stuff is difficult to get to and most people have more debt than assets. I suppose you could be found criminally negligent and face criminal penalties, but in civil court, there's only so much they can get and they're getting that from your insurance
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