Quote:
Originally Posted by Maker
I've seen that cart. It's beyond illegal. No question about it.
If the cart driver causes any accident because someone did something because of seeing those lights, that cart driver is legally responsible for damages and injuries. His insurance would not cover him because he is deliberately doing something illegal. Lawyers will instead go after all his assets (house, savings, 401k, pension). The DA will take a very aggressive view against someone impersonating a police officer who caused an accident by those actions and could seek jail time.
That man is a fool.
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Although I don’t recommend his actions, I have to tell you as a retired insurance claims manager, that the insurance company would probably cover a loss. We used to say that we “insure stupidity”. To deny a loss, a very specific exclusion in the policy needs to be applied to the loss. There is an exclusion “for loss intentionally caused” - which is very hard to enforce, as you can’t be a mind-reader, knowing the person intentionally was trying to cause a loss(you usually need an eye witness for example - saying ahead of time “I’m going to ram my car into personal property”) we covered losses in which drivers were driving intentionally at night knowing their headlamps are out (this is not an intentional act, trying to cause a specific accident - though illegal, there is no clause in auto policy to deny). Trust me, most insurance companies do not want to have to defend a costly law suit - they will only deny coverage if it is crystal clear there is a valid exclusion that applies to loss- often times it was “gray” and the benefit was given to the insured and the loss was covered.