900ss

As a driver, if you offer passenger lifts to those who ask, where would you stand if you rapped it n the passenger got hurt ?
Could they sue you?
Just curious

Mr S1

iTrader: (2)

Yeah they could. You'd need public liability insurance mate, usually cover for about £2m.

Spiky

iTrader: (1)

i thought they signed to say they gave up all those rights????

IMO, a passenger, takes a "risk" being a passenger

Spiky

iTrader: (1)

but can they claim if he dont have insurance????

Graceland

passengers and drivers sign a disclaimer at the "breifing" session which excludes the track and its owners of all liability.

Not sure about the liability of the driver - best ask Mike and Chip about that one

Benni

I had to read that twice then, you might want to put a W in Wrapped mate.

Charlie Chalk

iTrader: (1)

Passengers know the risks, So dont see why they could.

Spiky

iTrader: (1)

just you remember that...lol

Mr S1

iTrader: (2)

I'm sure at a public event for anything like that you need liability insurance. Discalimers ain't worth a wank in Court - look at all the pre-nup's signed and all the women who take their multi millionaire ex husbands to the cleaners...............always a way round it.

Charlie Chalk

iTrader: (1)

More to the point, Just you remember that

900ss

That what I thought



That I don't

Mr S1

iTrader: (2)

Then you'd get sued and if you lost you'd have to stump up the money. That may involve remortgaging (or having to sell your house) and possibly being made bankrupt. Would depend on how much the other party was awarded.

Spiky - do you think that just because you don't have insurance you can't be sued ? How wrong you are..............

Spiky

iTrader: (1)

oh yeah


i'm gonna sue ya arse

Spiky

iTrader: (1)

i still dont see how they can sue when they sign the disclaimer

Mr S1

iTrader: (2)

Go and crash with a passenger and no insurance then mate and see how much your 'disclaimer' is worth................

Spiky

iTrader: (1)

that disclaimer MUST work, else track days woundn't have then

i HAVE had a crash with a passenger on track too

Charlie Chalk

iTrader: (1)

Ah yeah

C4llyT

Be mad to have no insurance, people can still claim from you if you're at fault in a crash.

Relying on disclaimers isn't a good idea either.

If you've no insurance, and fuck someone up, you could be left paying for the rest of your life for their treatment, loss of earnings, care, etc etc.

Chance you take, can't see anyone thinking it's worth it.

Mr S1

iTrader: (2)

Yeah....did they sue ? A disclaimer is a legal requirement mate, you have to sign it but it protects the organisers more than the driver. It's up to you lot but if you take the general public on track without any cover specifically to look after YOU in the event of an accident you need your head read. Fucked if I'd put myself and my house at risk for it.

TBH someone like Porkie or Martin Hadland may be the best to answer this but I'd be flabbergasted if neither or either never had any cover specific to passengers if taking people round. If it's a mate and you spin that's one thing, but having a serious accident with a member of the public in the car is entirely another. Even having a mate in the car - you'd soon find out how good a mate they are if you stack it, put them in a wheelchair and they want compensation. If there's no insurance to cover it, whose door will he go knocking on ?

Spiky

iTrader: (1)

IF that true,

i will make a document up and get my "mates"/ "passengers" to sign saying, in the event of an accident, you CANT claim,

even if limbs or loss of earnings


are you saying if i did that, they can still claim?

Charlie Chalk

iTrader: (1)

Dont worry Steve, I trust your driving... And im gonna be holding onto the handbrake

C4llyT

Will you get everyone at the event to sign this disclaimer?
It's not just a passenger you could injure.

Mr S1

iTrader: (2)

Tell you what, Doubting Thomas - go and have a crash with a 'mate' in the car, put him in a wheelchair and see how much your poxy piece of paper is worth.

900ss

I see what you are saying
But at a event like Bedford, would that be classed as public ?
Anyone can go and ask?
But you haveto pay to get in as a passenger, and sign a disclaimer.
Does it still stand?

Spiky

iTrader: (1)

i can sense you losing ya rag with me,

but

as 900ss says, it's not a public ground it's a PRIVATE ground, whole different ball game

Mr S1

iTrader: (2)

As I see it, if you have a passenger in the car you'd be off your rocker to NOT have insurance to cover that person in the event of an accident. You may find the organisers have insurance that covers this in the event of an accident, and that may cover you. Ask ! My point being is you must have some kind of insurance in place, somehow, to cover you and any passengers.

C4llyT

Go and drive like a prick, put a few people in wheelchairs, and see how you get on....

If you're not insured, you're wide open for being fucked for life.

Mr S1

iTrader: (2)

Very well summarised mate

Spiky

iTrader: (1)

drive like a prick? it's track day and we all drive the cars as fast as possible?

accidents happen,

i dont have ANY insurance on track, and that "may" change, not for my passenger, but for me, to replace the parts of my car i break

Spiky

iTrader: (1)

you two in the same room seeing red?

C4llyT

That makes scary reading.

"Accidents happen" - Best legal defence I've heard, you'll be fine mate...

End of the day, where there's blame there's a claim, to sound cheesy.
Being on a track doesn't exclude you from this.

Still, it's your whole life of not having a pot to piss in at risk, not mine

Mr S1

iTrader: (2)

Not at all mate I don't go on track and if I did I wouldn't have passengers. Therefore this will not affect me. The point I'm making to you guys is make sure you're arse is covered, makes no odds to me if you have insurance or not as it won't affect me. But it may well affect you. Repairing a bent car is one thing, the consequences of the other are far to dire to contemplate (or more importantly ignore).

Spiky

iTrader: (1)

no see, thats where your worng, going by your theory

what if you hit me on track and my car hits the wall and crushes my legs?

thats YOUR fault

Mr S1

iTrader: (2)

Have you got any of this at all ?

Then you could sue me, and if I didn't have any insurance then I'd be in the same position that I'm trying to prevent you being in. Is it really that difficult to grasp ?

Spiky

iTrader: (1)

i understand your theory behind it all,

but as far i see it, most of it, applies to "normal" road driving, not track.

i'm not saying your wrong, but i also dont agree

as i said, i'm looking to puchase track insurance for cart damages, (£50 a track day) and it may well include someone claiming off me, but i not going out to get that cover

anyhow.

i'm off out now, in my insured car on public road

900ss

tbh I guess if I was turning into a corner and got T boned which ended up in me being disabled I may well consider claiming.
But as I signed a disclaimer I shouldn't be be able to !
Ask every person before they go on track if they will sue must be the only way then, and tape it aswell ?

Do tracks offer insurance against this sort of claim? Cost ?

btw, anyone still interested in a passenger lift please feel free to ask

Mr S1

iTrader: (2)

Go and have some fun on track mate, that's what you're there for. My entire point is just make sure in the event that anything does go wrong your arse is covered

NUTS RuS

iTrader: (35)

Essentially Stuart is correct, and it is even MORE necessary if the passenger is paying for the ride, be it for charity or anything else.

C4llyT

I've never seen a horse drive a car

markk

iTrader: (2)

when we hire out rally cars we have to sign to say that if we have a serious accident and injure either the driver of teh navigator, that there is no responsibility of the cars owners