This is a multi-part message in MIME format. ---------------------- multipart/alternative attachment OK, good points, I'll buy all that. Thanks......And I'm glad to hear you = do not have direct experience with such a case! Terry Farrell =20 ----- Original Message -----=20 From: Wimblees@AOL.COM=20 To: pianotech@ptg.org=20 Sent: Monday, October 29, 2001 9:48 AM Subject: Re: Insuring an action In a message dated 10/29/01 6:09:07 AM Central Standard Time, = mfarrel2@tampabay.rr.com writes:=20 I know none of us are lawyers here (yes?), so perhaps there will be = no definitive answer here. But it seems to me to be pretty far fetched = for a piano owner to "force you to buy a whole new piano" in a case like = this. I could certainly imagine an extreme situation where they claim = that a tech ruined their action - the part they worked on. But if the = tech did nothing to the case and belly, etc., but remove the action from = it, how in the world could anyone make a claim for a whole new piano = stick?=20 I shudder to think............you don't have any direct experience = with a case like this.............do you?=20 Terry Farrell =20 I don't have any personal experience, Terry, but you hear horror = stories.=20 You bring a Starck grand action in your shop, a piano in good = condition other than the action needs to be overhauled. (This is an art = case, that has been in the family for 75 years.) For some reason the = action is destroyed. You can't put in a new action, or even find a = reconditioned one. The customer has the right to ask for another piano, = even a new one, of similar design, quality, etc. You should have = insruance to pay for that piano. The customer's insurance company is not = going to cover that. The insurance company might give the money to the = customer to get another piano, but the insurance company will come after = you to get their money back.=20 However, the possibility of an actual loss is very slim. So I carry = the insurance to cover me "just in case." But that is not the only = reason I have insurance on the pianos in my shop. I have liability = insurance not for the damages that MIGHT occur. I have insurance to pay = the lawyer to defend me in case a customer decides to sue me for = something I didn't do. You know how it is in the country. You're guilty = until you can prove yourself innocent. It will cost you a lot of money = to defend yourself. But if the insurance company has to pay, they will = defend their interest, or at most, pay the settlement.=20 Wim=20 ---------------------- multipart/alternative attachment An HTML attachment was scrubbed... URL: https://www.moypiano.com/ptg/pianotech.php/attachments/48/96/45/5f/attachment.htm ---------------------- multipart/alternative attachment--
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