Re: Accident help! Shower door collapsed on daughter
Standard policy wording will be something like: " We the insurer will pay damages which you the insured are legally liable to pay following accidental BI , Damage to property etc etc "
It is many years since I drafted Liability policies but, unless there has been a massive change specifics will not be named in the contract wording except as exclusions.
I think, although I have lots of sympathy for EJH, and trust her daughter is recovering well, she will have much difficulty obtaining redress from the landlady.
Assuming the sliding door showed no signs of damage I don't think she could be held liable for its breaking as she could not have been aware of its imminent demise.
On the other hand there is a fair amount of anecdotal proof of shower doors shattering, so perhaps a manufacturing fault.
One other point that worries me is that shower doors, by their very position, are a hazard.
Aren't they supposed to be made of toughened safety glass, which if it breaks shatters into small pieces (like a car windscreen) which do virtually no damage, or will inflict only "minor" cuts.
The young girl concerned here had "several deep cuts". Was hospital treatment necessary or sought?
Standard policy wording will be something like: " We the insurer will pay damages which you the insured are legally liable to pay following accidental BI , Damage to property etc etc "
It is many years since I drafted Liability policies but, unless there has been a massive change specifics will not be named in the contract wording except as exclusions.
I think, although I have lots of sympathy for EJH, and trust her daughter is recovering well, she will have much difficulty obtaining redress from the landlady.
Assuming the sliding door showed no signs of damage I don't think she could be held liable for its breaking as she could not have been aware of its imminent demise.
On the other hand there is a fair amount of anecdotal proof of shower doors shattering, so perhaps a manufacturing fault.
One other point that worries me is that shower doors, by their very position, are a hazard.
Aren't they supposed to be made of toughened safety glass, which if it breaks shatters into small pieces (like a car windscreen) which do virtually no damage, or will inflict only "minor" cuts.
The young girl concerned here had "several deep cuts". Was hospital treatment necessary or sought?
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