Liability

hdavis

New member
Mar 13, 1998
518
0
0
Hey guys,

I love Manny's slide out and am very impressed with the engineering
problems that he had to solve to make it work. One big pile of work and
ingenuity! I also like Leigh Harrison's 4-bag suispension, some of the disc
brakes I've seen, and much more.

I've talked to a number of folks who are concerned about modifying their
coach in case they're in an accident or want to sell the coach. Personally,
I don't see a problem. After all, hotrods get sold all the time. I like
Manny's slide out and wouldn't hestitate to build something like it if
that's what I wanted (Manny's convinced me that it's TOO MUCH WORK).

I do think it's a good question to ask. Any informed opinions out there
about liability for somebody who modifies their coach like this (or mdifies
brakes etc)? How about if someone decided to offer plans, parts etc to let
us make our own slide outs? What kind of liability to they have? How can we
convince guys to really share all of the details with us without them
taking a risk legally?

Henry

Henry Davis Consulting, Inc / new product consulting
PO Box 1270 / product readiness reviews
Soquel, Ca 95073 / IP reviews
ph: (831) 462-5199 / full service marketing
fax: (831) 462-5198
http://www.henry-davis.com/ http://www.henry-davis.com
 
Henry the field of liability lawsuits is growing by leaps and bounds and the
lawyers are having a field day. Here in New York they are advertising on the
TV. There of course is not a problem unless you get in an accident and some
one is seriously injured AND they either hire a lawyer OR retain one for
insurance purposes. That is when the problems start. These guys work on a
percentage of the settlement and will look at every aspect of the accident
and more than likely hire an expert to thoroughly check the coach from top
to bottom to find anything abnormal. If they find anything modified, better
have a large checkbook.
Whats the chance of it ever happening? A very very remote chance, but who
wants to be first? Not me.

>Hey guys,
>
>I love Manny's slide out and am very impressed with the engineering
>problems that he had to solve to make it work. One big pile of work and
>ingenuity! I also like Leigh Harrison's 4-bag suispension, some of the disc
>brakes I've seen, and much more.
>
>I've talked to a number of folks who are concerned about modifying their
>coach in case they're in an accident or want to sell the coach. Personally,
>I don't see a problem. After all, hotrods get sold all the time. I like
>Manny's slide out and wouldn't hestitate to build something like it if
>that's what I wanted (Manny's convinced me that it's TOO MUCH WORK).
>
>I do think it's a good question to ask. Any informed opinions out there
>about liability for somebody who modifies their coach like this (or mdifies
>brakes etc)? How about if someone decided to offer plans, parts etc to let
>us make our own slide outs? What kind of liability to they have? How can we
>convince guys to really share all of the details with us without them
>taking a risk legally?
>
>Henry
>
>
>Henry Davis Consulting, Inc / new product consulting
>PO Box 1270 / product readiness reviews
>Soquel, Ca 95073 / IP reviews
>ph: (831) 462-5199 / full service marketing
>fax: (831) 462-5198
>http://www.henry-davis.com/ http://www.henry-davis.com
>
>
>
 
>
> I do think it's a good question to ask. Any informed opinions out there
> about liability for somebody who modifies their coach like this (or mdifies
> brakes etc)? How about if someone decided to offer plans, parts etc to let
> us make our own slide outs? What kind of liability to they have? How can we
> convince guys to really share all of the details with us without them
> taking a risk legally?

Well, first things first - the disclaimer: I'm not an attorney nor do I
play one on TV. I'm just a fairly well informed insurance(an industry
which IMO shares responsibility equally with the legal profession,
rampant greed and a "victim" mentality in creating this whole mess)
underwriter conversant in these matters. As in insurance, legal matters
vary greatly by state, so best to consult a local attorney for
definitive advice for your personal situation.

One thing is "given" - there's no way to prevent yourself from being
sued. The right to redress of wrong is written into the US Constitution
and it matters little whether the wrong is actual or perceived for a
suit to be filed.

Civil law is built around a system of "torts" or warranties. Companies
are expected to make safe products. Professionals are expected to do
safe work. Homeowners are expected to keep their residences safe for
their guests. Drivers are expected to operate their vehicles in a safe
manner. These torts are(each individually) limited in scope and as far
as I know, no jurisdiction has extended a tort to cover the workmanship
of a DIYer.

As has already been mentioned, there is a great difference between
commercial and personal exposure. Garage owners accept large amounts of
liability in the performance of their daily work. There is an implied
"warranty", since they present themselves as professionals, that their
workmanship will result in a safe vehicle. They should, and are in fact
expected to, carry insurance to protect themselves from this exposure.
Unfortunately, this insurance is often the "blood in the water" that
fuels the civil legal feeding frenzy. If you are dabbling in any GMC
activities that could be construed as "commercial" in nature, I advise
you to seek professional legal help in these matters(read the postscript
below). That's all I'm gonna' say about the commercial stuff.

Now, for the average owner/wrencher. If you really feel that by
modifying your coach that you're assuming legal liability, then I've got
a news flash for you. You accept the same liability by changing your
brake shoes that you would by converting to rear disk brakes. By doing
the work yourself, you're exposing yourself to the liability. But, the
"warranty" of a safe product isn't there as it is with the professional
garage owner.

In the final analysis, we must each be guided by our own convictions.
For me, my family's safety is a much more real and present concern than
any enterprising attorney.

Patrick

P.S. - I'll pass along this anecdote. This past year, an individual who
makes a living dealing in things GMC sold a coach to a "lady"(term used
loosely in this instance - remember, I'm Southern) a few states removed
from his place of business. He had purchased the coach in pretty good
original condition and had done the usual maintenance stuff - new belts,
hoses, coolant, tune-up, etc. The "lady" came to his place of business,
paid for the coach and signed a bill of sale with "No Warranty" stated
in three places(I've seen a copy of the document). On the way home, the
coach tossed an alternator belt(brand new belt - probably just "infant
mortality"). Apparently she drove the coach until it quit in a rural
area - don't know why she didn't notice the "idiot" light - and then had
it towed to a local garage. The stage is set, a woman alone with a
broken down motorhome at a local garage, I'm sure you know what comes
next. Sure enough, the locals tell her it's a bad alternator and then
proceed to sell her a "new" alternator(IIRC, for only $600 installed).
Well, turns out the "new" alternator has a bad voltage regulator and
about three hours down the road boils the batteries dry and fries part
of the coach electrical system. She finally calls the individual who
sold her the motorhome, who refers her to a reputable GMC shop. Now
she's out two tow bills, approx. $600 for a bad alternator and the cost
of the proper repairs done to fix what the local yokels screwed up - the
tab's up to several thousand dollars.

A few weeks later, the individual gets a large manilla envelope by
certified mail. Turns out that the "lady" is an attorney and expects to
recover her losses from him. He will have to defend himself in a court
several states removed from his home and business against a suit that is
probably groundless. Of course, I only have his side of the story, but
I have seen the paperwork.

Just a little something extra to chew on...
- --
Patrick Flowers
Mailto:patrick

The GMC Motorhome Page
http://www.gmcmotorhome.com
 
Another perspective -

>
> What I wan't to know is who the hell makes up these bleeding heart juries
>that award outrageous sums to bloodsucking parasites and their lawyers?

It's interesting that the news stories report the initial jury award. But,
often they don't bother to report that the award is (drastically) reduced
by the judge. I was an expert witness in a patent infringement suit earlier
this year. The plaintiff won and was awarded something around $60 million
for the infringement - counting all damages except the judge's ability to
increase the award by up to a factor of three because the infingement was
willfull. ( This number was the actual loss by the plaintiff, not soem
punative award)

After two months of review the judge decreased the award but added punitive
damages. The final award was well under the jury award - even though the
documented loss was higher.

While this example relates to a patent case, the principle of decreased
awards on review or appeal is pretty common.

> I
>sure as heck wouldn't fall for these scams, and I doubt many of you would
>either. Are the decent people of common sense all begging off jury duty and
>leaving it to the little old ladies or what???

Let's see. If you're educated most attorneys want you off the jury for most
cases. If you are a professional they'd like you off the case. The case I
was most recently involved with had an all woman jury. Of these, a
significant number were from a lower economic group. It took a long time to
find jurrors who didn't have legitimate excuses and didn't have conflicts
with the case. Take a look at your local jury pool. In many areas you'll
find retirees, housewives, and folks out of work make up the bulk of thsoe
who show for jury duty. The remainder tend to get excused by the judge due
to conflicts, or challenged by a lwyer.

Having said that, I've been impressed by the thoughfulness and attention of
jurors to complex cases. If they're given the facts, I think that in
general they'll come to the right conclusion. Sometimes they don't get all
of the facts: a lawyer is incompetent, the evidence is suspect and not
permitted to be presented, errors in procedure, the judge limits the time
for each side to present their case, etc. They're not always right, but
they often have good BS filters!

> BTW, although stories like the above make my blood boil, we should keep
>things in perspective. First, before anyone can win a suit over your
>modifications, they have to prove that the modification caused or
contributed
>to the accident or aggravated the damage/injury therefrom.

In many states the standard is "proxmiate cause" which means that a
specific thing or action was the cause of the accident. In most suits it's
common practice to name everyone in sight. The idea is that by suing a
group jointly and severally, if there is a win in court, then they can
collect the whole judgement from a single entity if need be. That's why
when a vacationing couple was killed in a balloning accident two years ago,
the estate named the farmer whose field the ballon crashed into as a
defendant - as well as the power utility whose power lines the pilot hit.
All of this in addition to the ballon manufacturer, the pilot, the weather
service, and others.

Generally juries are asked to apportion responsibility for an accident. In
theory then each party pays according to their responsibility. In practice
somebody doesn't have assets or hides them so the rest get stuck.

> Second, I spent
>many years in the auto repair field, including over 7 years as a service
>manager, and 6 years running my own shop. Not once was I a defendant in a
>legal action related to the business. Third, if the leeches do come out,
>that's why you have insurance. (Although I agree that the insurance
>companies are largely to blame for this mess. They figure it's cheaper to
>settle than to fight it out with their high-priced lawyers.

My personal experience with insurance companies is that when the stakes are
high (more than the cost of a new car) they will drag their feet in
settling. They don't get their lawyers involved until you get your lawyers
involved (why spend big bucks on lawyers when claims agents can drag their
feet for them at a MUCH lower cost?). In one instance I had to sue an
insuror over goods lost during shipment. It took 2 years and me shelling
out $35k to get back 75% of the insured value - even though they agreed
they'd lost the stuff! All of that without actually getting into the court
room.

Insurance companies settle because they expect to pay less in a settlement
AND they can make the terms of the settlement confidential so they don't
create precedents.

>Justice has
>nothing to do with it, only economics.)

Yep. You're right there.

> Of course the real problem is that our political system is run by
lawyers,
>who continue to allow frivolous and unjustified lawsuits with no penalty.

There are some pretty stiff penalties for lawyers who file frivolous suits
(like they can lose their license and pay big fines).

In
>most countries, the loser pays the winner's expenses, which tends to inhibit
>the filing of questionable suits.

That can happen here too and does in some cases. The cost of getting to
court in the US is by itself a big impediment to suits. And it's one reason
why lawyers go for such big awards. If it costs in excess of $50k to get to
court, how much do you need to go after in order to make to financially
viable? For contingency fee cases that go to Federal Court I'd be surprised
to find a competent lawyer take on the case unless it was worth in excess
of $250k in potential awards. The attorneys that I talked to probably would
get interested around $500k. All of this supprts your comment that it's
about finances and not justice.

Application to GMCs:

1. wait long enough, and do something and you'll likely become the target
of a lawsuit no matter what - wrong place wrong day at the least.
2. unless your accident is your fault and is notorious (say you kill a bus
load of kids) there isn't likely to be a mechanical assessment of your GMC
3. if you are involved in an accident big enough to warrant a mechancal
assessment then you're in deep stuff no matter what you've done to the GMC
4. commercial manufacturing ventures need ordinary insurance for an
automotive supplier. It isn't as much as you think, but it's no easy feat
getting approved either.
5. mechanics need the same insurance as if they were working on an ordinary
car

Modify your own coach and it looks like one set of rules apply. Modify
someone else's and it's a different story. If you are planning to do a
major mod like Manny's slideout, a change in brakes, etc do your own
engineering work - or find a company willing to do it for you.

For myself, I'll modify my coach as I please and not worry.

Henry
These are NOT legal opinions. I am Not an epert in this stuff. YMMV. Void
wherever you live. Consult your own attorney. If something goes wrong, I
told you so!
Henry Davis Consulting, Inc / new product consulting
PO Box 1270 / product readiness reviews
Soquel, Ca 95073 / IP reviews
ph: (831) 462-5199 / full service marketing
fax: (831) 462-5198
http://www.henry-davis.com/ http://www.henry-davis.com