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Originally Posted by Darkhamr
Lil, am I correct in assuming that the non DOT part has to have played a role in the accident or incident to which the claim is being made?
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I'm not the expert, my buddy is. But that would seem logical.
Then again, if the policy states
No Modifications, I suppose the company could resort to that in order to deny the claim.
Now, all this investigation and litigation will cost the Ins. Co. money, so on mere fender-benders and run-of-the-mill accidents, they don't scrutinize that severely - my buddy sees only the most
horrific, and therefore potentially expensive, claims.
But, in a wrongful death suit, where they're likely to risk paying out tons (up to the policy limits), they're more likely to dig deeper before assuming the risk.