William Munney wrote:
windybrit wrote:It's a not unreasonable expectation for a consumer to have that anything they buy should work straight out of the box, but it's also prudent for the same consumer to make checks on something they've purchased before trusting their safety (and that of others) to it. It's not possible to always legislate common sense and reasonable behaviour, and we'd all like to think a manufacturer would carry some sort of coverage against their own failings.... but I guess this thread highlights that some don't. Read the small print on the kite or in the manual, I bet there is some wording in which there will be a blanket denial of any liability put there by legal advisors.
Ultimately the person who is there to best look after you is you ........ caveat emptor, oh and check your home insurance policy for liability cover, to double mine cost pennies a month....
Have a great 2014 , stay safe.
And your policy covers damage to others from any recreational activities? Are there any exclusions?
When I looked into this "homeowners insurance policy" issue, and read my policy, I could not tell, and needed to call my agent. The worry here is that the agent might not have any idea what you are talking about. I used the example of "golf" in the conversation. Below are some interesting facts about "golf-related" injuries. Draw your own parallels. The "actuaries" who do the statistical analysis of the risk may or may not know about the details of our activity, and it may or may not be a good idea to state the exact activity that you are concerned about, when talking to your agent.
Below are some links and excerts from the online articles.
Golf Course Accidents: Injuries from Golf Balls, Golf Clubs and Golf ...
Golf Course Lawsuits and Settlements
Golf courses have faced numerous lawsuits over the years from those injured on the links. In February 2009, a 67-year-old golfer sued Candia Woods Golf Course in New Hampshire after his own golf ball struck a yardage marker and ricocheted into his own eye. In January 2008, a New Jersey woman who was struck by a stray golf ball while watching her husband play golf sued Owl's Creek Golf Course for $1 million. In 2007, a Chicago woman struck in the head by a golf ball sued a golf course and the golfer who hit the ball. If you have been hurt on the golf course, have a personal injury lawyer review your case to determine if negligence on the part of the golf course, another golfer, or even the manufacturer of the golf cart contributed to your injuries.
Accidental golf club injuries.
Over a 2 month period, 33 patients with injuries caused by golf clubs were identified among attenders at the accident and emergency department at Glasgow Royal Infirmary. The vast majority of these were to the face and head, including three compound skull fractures. Attention is drawn to the average age of those injured (8.1 years) and to the fact that only one of the injuries occurred on a golf course. The dangers of unsupervised experimentation with golf clubs by young children are emphasized.
Par for the Course: Golf-Cart Accidents | PropertyCasualty360
The standard Homeowners’ policy excludes coverage for motor-vehicle liability, and a motor vehicle is defined as a self-propelled land vehicle, which would include a golf cart. However, the policy then declares that the exclusion does not apply to a motor vehicle designed for recreational use off public roads and not owned by an insured (the exception also applies to a motorized golf cart that is owned by an insured, under certain conditions). So, the Homeowners’ policy will offer coverage for the insured if he or she inadvertently runs over a fellow golfer and causes some bodily injury.