Help others - carefully
Today, road conditions will be very icy and there will be a reasonable and laudable temptation to help others in distress.
Yesterday as I walked up our side road, a motorist travelling very slowly skidded and turned broadside. With the help of his passenger and a fellow peedestrian, we managed to get him out of his predicament but in so doing could either have slipped and been crushed by his sliding vehicle or pushed it into a parked car.
Either possibility could have posed some unusual insurance considerations. Who would have been liable?
If I had injured myself or placed myself in danger, then I most probably could not have claimed against the other driver.
Similarly, the owner of the parked vehicle if we had been instrumental in damaging it would have had a claim against the owner of the vehicle we were assisting but theoretically at least his insurers might have sought a contribution from me and the others who assisted.
We were all very careful!
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