Quote:
Originally Posted by drcoastline
Your homeowners (HO-3), renters (HO-4), condo (HO-6) liability insurance follows you anywhere in the world. The only exclusion would be if there was insurance available and you did not purchase it then you can not ask your ho-3, 4, 6 to respond. You are not necessarily 100% liable in a situation. First the parents giving permission to go motorcycle riding with you "could" place some liability on them for allowing their child to participate in the activity. The facility where you ride could have some culpability as well as the rider. Did they not obey the rules, make a mistake, etc.?
In your example there are multiple scenarios that could come into play regarding liability. It depends on what, where, when how an accident occurred would determine your culpability. Far to many possibilities to try and answer in a forum.
First call your insurance agent and find out if liability insurance is available for your bikes. If so your HO-3, 4, 6 policy will not cover the loss. If no coverage is available then your HO-3, 4 or 6 will be primary. In either scenario you should have an umbrella policy to add additional coverage.
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That's a pretty thorough response right there. Enough to go on to get in touch with my homeowner's insurance and at least have the discussion. I do have regular homeowner's insurance now, of course, and also an umbrella.
I recognize that on its face it does not sound like a great idea. But is it really any different than having a kid getting hurt visiting? Jumping ramps on a bike out front...rough-housing in the basement...god forbid getting bit by your dog...etc... I mean to avoid all "liability risk" you have to lock your kids in the closet and not let anyone else within 100 yards of your house/kids. Just not practical, so I am just poking around to understand how this stuff would work in the real world if there was an incident. And as Bob said, above, anyone can sue you at any time anyway.
And for what it's worth, these kids are 13 going on 14.
Thanks,
JA