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<DIV>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!</DIV>
<DIV> </DIV>
<DIV>Terry Farrell <SPAN =
id=__#Ath#SignaturePos__></SPAN> </DIV>
<BLOCKQUOTE
style="PADDING-RIGHT: 0px; PADDING-LEFT: 5px; MARGIN-LEFT: 5px; =
BORDER-LEFT: #000000 2px solid; MARGIN-RIGHT: 0px">
<DIV style="FONT: 10pt arial">----- Original Message ----- </DIV>
<DIV
style="BACKGROUND: #e4e4e4; FONT: 10pt arial; font-color: =
black"><B>From:</B>
<A title=Wimblees@AOL.COM =
href="mailto:Wimblees@AOL.COM">Wimblees@AOL.COM</A>
</DIV>
<DIV style="FONT: 10pt arial"><B>To:</B> <A =
title=pianotech@ptg.org
href="mailto:pianotech@ptg.org">pianotech@ptg.org</A> </DIV>
<DIV style="FONT: 10pt arial"><B>Sent:</B> Monday, October 29, 2001 =
9:48
AM</DIV>
<DIV style="FONT: 10pt arial"><B>Subject:</B> Re: Insuring an =
action</DIV>
<DIV><BR></DIV><FONT face=arial,helvetica><FONT size=2>In a =
message dated
10/29/01 6:09:07 AM Central Standard Time, <A
href="mailto:mfarrel2@tampabay.rr.com">mfarrel2@tampabay.rr.com</A> =
writes:
<BR><BR><BR>
<BLOCKQUOTE
style="PADDING-LEFT: 5px; MARGIN-LEFT: 5px; BORDER-LEFT: #0000ff 2px =
solid; MARGIN-RIGHT: 0px"
TYPE="CITE">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? =
<BR><BR>I
shudder to think............you don't have any direct experience =
with a case
like this.............do you? <BR><BR>Terry Farrell
<BR></BLOCKQUOTE><BR><BR>I don't have any personal experience, Terry, =
but you
hear horror stories. <BR><BR>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. <BR><BR>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. <BR><BR>Wim</FONT> </FONT></BLOCKQUOTE></BODY></HTML>